The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$35,536
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,642
−HK$1,123/mo
Today · 4.125%
HK$37,765
baseline
▲ 0.50% · 4.625%
HK$40,063
+HK$2,298/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,530/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,534
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,594
−HK$1,076/mo
Today · 4.125%
HK$41,670
baseline
▲ 0.50% · 4.625%
HK$43,866
+HK$2,196/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,340/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,644
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,970
−HK$1,348/mo
Today · 4.125%
HK$45,318
baseline
▲ 0.50% · 4.625%
HK$48,075
+HK$2,757/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,636/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,441
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,713
−HK$1,291/mo
Today · 4.125%
HK$50,004
baseline
▲ 0.50% · 4.625%
HK$52,639
+HK$2,635/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$100,008/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,751
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,298
−HK$1,573/mo
Today · 4.125%
HK$52,871
baseline
▲ 0.50% · 4.625%
HK$56,088
+HK$3,217/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,742/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,347
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,832
−HK$1,506/mo
Today · 4.125%
HK$58,338
baseline
▲ 0.50% · 4.625%
HK$61,413
+HK$3,075/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,676/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,966
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,955
−HK$2,022/mo
Today · 4.125%
HK$67,977
baseline
▲ 0.50% · 4.625%
HK$72,113
+HK$4,136/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$135,954/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,161
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,069
−HK$1,937/mo
Today · 4.125%
HK$75,006
baseline
▲ 0.50% · 4.625%
HK$78,959
+HK$3,953/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,012/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,415 · Scale 2, in force from 26 Feb 2026)