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$35,717
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,828
−HK$1,129/mo
Today · 4.125%
HK$37,957
baseline
▲ 0.50% · 4.625%
HK$40,266
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,914/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,735
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,801
−HK$1,081/mo
Today · 4.125%
HK$41,882
baseline
▲ 0.50% · 4.625%
HK$44,089
+HK$2,207/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,764/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,860
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,194
−HK$1,354/mo
Today · 4.125%
HK$45,548
baseline
▲ 0.50% · 4.625%
HK$48,320
+HK$2,772/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,096/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,682
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,961
−HK$1,297/mo
Today · 4.125%
HK$50,258
baseline
▲ 0.50% · 4.625%
HK$52,907
+HK$2,649/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,516/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,004
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,559
−HK$1,581/mo
Today · 4.125%
HK$53,140
baseline
▲ 0.50% · 4.625%
HK$56,373
+HK$3,233/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,280/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,629
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,121
−HK$1,513/mo
Today · 4.125%
HK$58,634
baseline
▲ 0.50% · 4.625%
HK$61,725
+HK$3,091/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,268/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,291
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,291
−HK$2,031/mo
Today · 4.125%
HK$68,322
baseline
▲ 0.50% · 4.625%
HK$72,480
+HK$4,158/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,644/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,523
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,441
−HK$1,946/mo
Today · 4.125%
HK$75,387
baseline
▲ 0.50% · 4.625%
HK$79,361
+HK$3,974/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,774/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,386 · Scale 2, in force from 26 Feb 2026)