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$35,778
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,891
−HK$1,131/mo
Today · 4.125%
HK$38,022
baseline
▲ 0.50% · 4.625%
HK$40,335
+HK$2,313/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,044/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,803
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,870
−HK$1,083/mo
Today · 4.125%
HK$41,953
baseline
▲ 0.50% · 4.625%
HK$44,165
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,906/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,934
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,269
−HK$1,357/mo
Today · 4.125%
HK$45,626
baseline
▲ 0.50% · 4.625%
HK$48,402
+HK$2,776/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$91,252/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,763
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,044
−HK$1,300/mo
Today · 4.125%
HK$50,344
baseline
▲ 0.50% · 4.625%
HK$52,997
+HK$2,653/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$100,688/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,089
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,647
−HK$1,583/mo
Today · 4.125%
HK$53,230
baseline
▲ 0.50% · 4.625%
HK$56,469
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,460/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,724
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,218
−HK$1,516/mo
Today · 4.125%
HK$58,734
baseline
▲ 0.50% · 4.625%
HK$61,830
+HK$3,096/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,468/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,400
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,404
−HK$2,035/mo
Today · 4.125%
HK$68,439
baseline
▲ 0.50% · 4.625%
HK$72,603
+HK$4,164/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,878/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,645
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,566
−HK$1,950/mo
Today · 4.125%
HK$75,516
baseline
▲ 0.50% · 4.625%
HK$79,496
+HK$3,980/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,032/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,389 · Scale 2, in force from 26 Feb 2026)