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$35,526
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,631
−HK$1,123/mo
Today · 4.125%
HK$37,754
baseline
▲ 0.50% · 4.625%
HK$40,051
+HK$2,297/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,508/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,522
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,582
−HK$1,075/mo
Today · 4.125%
HK$41,657
baseline
▲ 0.50% · 4.625%
HK$43,853
+HK$2,196/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,314/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,631
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,957
−HK$1,347/mo
Today · 4.125%
HK$45,304
baseline
▲ 0.50% · 4.625%
HK$48,061
+HK$2,757/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,608/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,426
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,698
−HK$1,291/mo
Today · 4.125%
HK$49,989
baseline
▲ 0.50% · 4.625%
HK$52,624
+HK$2,635/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$99,978/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,736
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,283
−HK$1,572/mo
Today · 4.125%
HK$52,855
baseline
▲ 0.50% · 4.625%
HK$56,071
+HK$3,216/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$105,710/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,331
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,815
−HK$1,505/mo
Today · 4.125%
HK$58,320
baseline
▲ 0.50% · 4.625%
HK$61,394
+HK$3,074/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$116,640/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,946
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,935
−HK$2,021/mo
Today · 4.125%
HK$67,956
baseline
▲ 0.50% · 4.625%
HK$72,091
+HK$4,135/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,912/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,140
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,048
−HK$1,935/mo
Today · 4.125%
HK$74,983
baseline
▲ 0.50% · 4.625%
HK$78,936
+HK$3,953/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,966/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,240 · Scale 2, in force from 26 Feb 2026)