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$35,738
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,850
−HK$1,129/mo
Today · 4.125%
HK$37,979
baseline
▲ 0.50% · 4.625%
HK$40,290
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,958/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,758
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,824
−HK$1,082/mo
Today · 4.125%
HK$41,906
baseline
▲ 0.50% · 4.625%
HK$44,115
+HK$2,209/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,812/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,885
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,219
−HK$1,356/mo
Today · 4.125%
HK$45,575
baseline
▲ 0.50% · 4.625%
HK$48,348
+HK$2,773/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,150/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,710
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,989
−HK$1,298/mo
Today · 4.125%
HK$50,287
baseline
▲ 0.50% · 4.625%
HK$52,938
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,574/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,033
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,589
−HK$1,582/mo
Today · 4.125%
HK$53,171
baseline
▲ 0.50% · 4.625%
HK$56,406
+HK$3,235/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,342/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,661
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,154
−HK$1,514/mo
Today · 4.125%
HK$58,668
baseline
▲ 0.50% · 4.625%
HK$61,761
+HK$3,093/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,336/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,328
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,329
−HK$2,033/mo
Today · 4.125%
HK$68,362
baseline
▲ 0.50% · 4.625%
HK$72,522
+HK$4,160/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,724/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,564
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,484
−HK$1,947/mo
Today · 4.125%
HK$75,431
baseline
▲ 0.50% · 4.625%
HK$79,407
+HK$3,976/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,862/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,728 · Scale 2, in force from 26 Feb 2026)