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$35,519
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,624
−HK$1,123/mo
Today · 4.125%
HK$37,747
baseline
▲ 0.50% · 4.625%
HK$40,044
+HK$2,297/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,494/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,515
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,575
−HK$1,075/mo
Today · 4.125%
HK$41,650
baseline
▲ 0.50% · 4.625%
HK$43,845
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,300/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,623
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,949
−HK$1,347/mo
Today · 4.125%
HK$45,296
baseline
▲ 0.50% · 4.625%
HK$48,052
+HK$2,756/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,592/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$584,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,418
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,690
−HK$1,290/mo
Today · 4.125%
HK$49,980
baseline
▲ 0.50% · 4.625%
HK$52,614
+HK$2,634/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$99,960/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$584,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,727
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,274
−HK$1,571/mo
Today · 4.125%
HK$52,845
baseline
▲ 0.50% · 4.625%
HK$56,061
+HK$3,216/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,690/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,321
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,805
−HK$1,505/mo
Today · 4.125%
HK$58,310
baseline
▲ 0.50% · 4.625%
HK$61,383
+HK$3,073/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,620/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,935
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,924
−HK$2,020/mo
Today · 4.125%
HK$67,944
baseline
▲ 0.50% · 4.625%
HK$72,078
+HK$4,134/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,888/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,127
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,035
−HK$1,935/mo
Today · 4.125%
HK$74,970
baseline
▲ 0.50% · 4.625%
HK$78,921
+HK$3,951/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,940/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,135 · Scale 2, in force from 26 Feb 2026)