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$35,529
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,634
−HK$1,123/mo
Today · 4.125%
HK$37,757
baseline
▲ 0.50% · 4.625%
HK$40,054
+HK$2,297/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,514/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,525
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,586
−HK$1,075/mo
Today · 4.125%
HK$41,661
baseline
▲ 0.50% · 4.625%
HK$43,857
+HK$2,196/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,322/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,635
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,961
−HK$1,347/mo
Today · 4.125%
HK$45,308
baseline
▲ 0.50% · 4.625%
HK$48,065
+HK$2,757/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,616/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,431
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,703
−HK$1,290/mo
Today · 4.125%
HK$49,993
baseline
▲ 0.50% · 4.625%
HK$52,628
+HK$2,635/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$99,986/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,740
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,288
−HK$1,572/mo
Today · 4.125%
HK$52,860
baseline
▲ 0.50% · 4.625%
HK$56,076
+HK$3,216/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$105,720/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,336
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,820
−HK$1,505/mo
Today · 4.125%
HK$58,325
baseline
▲ 0.50% · 4.625%
HK$61,400
+HK$3,075/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$116,650/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,952
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,941
−HK$2,021/mo
Today · 4.125%
HK$67,962
baseline
▲ 0.50% · 4.625%
HK$72,098
+HK$4,136/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,924/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,146
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,054
−HK$1,936/mo
Today · 4.125%
HK$74,990
baseline
▲ 0.50% · 4.625%
HK$78,942
+HK$3,952/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,980/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,290 · Scale 2, in force from 26 Feb 2026)