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$35,739
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,851
−HK$1,129/mo
Today · 4.125%
HK$37,980
baseline
▲ 0.50% · 4.625%
HK$40,291
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,960/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,759
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,826
−HK$1,082/mo
Today · 4.125%
HK$41,908
baseline
▲ 0.50% · 4.625%
HK$44,117
+HK$2,209/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,816/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,887
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,221
−HK$1,355/mo
Today · 4.125%
HK$45,576
baseline
▲ 0.50% · 4.625%
HK$48,350
+HK$2,774/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,152/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,711
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,991
−HK$1,298/mo
Today · 4.125%
HK$50,289
baseline
▲ 0.50% · 4.625%
HK$52,940
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,578/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,035
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,591
−HK$1,581/mo
Today · 4.125%
HK$53,172
baseline
▲ 0.50% · 4.625%
HK$56,408
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,344/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,663
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,156
−HK$1,515/mo
Today · 4.125%
HK$58,671
baseline
▲ 0.50% · 4.625%
HK$61,763
+HK$3,092/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,342/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,331
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,332
−HK$2,033/mo
Today · 4.125%
HK$68,365
baseline
▲ 0.50% · 4.625%
HK$72,524
+HK$4,159/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,730/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,567
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,486
−HK$1,948/mo
Today · 4.125%
HK$75,434
baseline
▲ 0.50% · 4.625%
HK$79,410
+HK$3,976/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,868/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,750 · Scale 2, in force from 26 Feb 2026)