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$35,744
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,856
−HK$1,130/mo
Today · 4.125%
HK$37,986
baseline
▲ 0.50% · 4.625%
HK$40,297
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,972/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,765
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,832
−HK$1,081/mo
Today · 4.125%
HK$41,913
baseline
▲ 0.50% · 4.625%
HK$44,123
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,826/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,893
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,227
−HK$1,356/mo
Today · 4.125%
HK$45,583
baseline
▲ 0.50% · 4.625%
HK$48,356
+HK$2,773/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,166/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,718
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,998
−HK$1,298/mo
Today · 4.125%
HK$50,296
baseline
▲ 0.50% · 4.625%
HK$52,947
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,592/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,042
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,598
−HK$1,582/mo
Today · 4.125%
HK$53,180
baseline
▲ 0.50% · 4.625%
HK$56,416
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,360/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,671
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,164
−HK$1,515/mo
Today · 4.125%
HK$58,679
baseline
▲ 0.50% · 4.625%
HK$61,772
+HK$3,093/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,358/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,340
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,341
−HK$2,033/mo
Today · 4.125%
HK$68,374
baseline
▲ 0.50% · 4.625%
HK$72,535
+HK$4,161/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,748/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,577
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,497
−HK$1,947/mo
Today · 4.125%
HK$75,444
baseline
▲ 0.50% · 4.625%
HK$79,421
+HK$3,977/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,888/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,832 · Scale 2, in force from 26 Feb 2026)