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$35,541
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,647
−HK$1,123/mo
Today · 4.125%
HK$37,770
baseline
▲ 0.50% · 4.625%
HK$40,068
+HK$2,298/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,540/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,539
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,600
−HK$1,075/mo
Today · 4.125%
HK$41,675
baseline
▲ 0.50% · 4.625%
HK$43,872
+HK$2,197/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,350/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,649
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,976
−HK$1,348/mo
Today · 4.125%
HK$45,324
baseline
▲ 0.50% · 4.625%
HK$48,082
+HK$2,758/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,648/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,447
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,720
−HK$1,291/mo
Today · 4.125%
HK$50,011
baseline
▲ 0.50% · 4.625%
HK$52,647
+HK$2,636/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$100,022/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,758
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,305
−HK$1,573/mo
Today · 4.125%
HK$52,878
baseline
▲ 0.50% · 4.625%
HK$56,095
+HK$3,217/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,756/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,355
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,840
−HK$1,506/mo
Today · 4.125%
HK$58,346
baseline
▲ 0.50% · 4.625%
HK$61,421
+HK$3,075/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,692/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,974
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,964
−HK$2,022/mo
Today · 4.125%
HK$67,986
baseline
▲ 0.50% · 4.625%
HK$72,123
+HK$4,137/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$135,972/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,171
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,079
−HK$1,937/mo
Today · 4.125%
HK$75,016
baseline
▲ 0.50% · 4.625%
HK$78,970
+HK$3,954/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,032/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,494 · Scale 2, in force from 26 Feb 2026)