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$35,768
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,881
−HK$1,130/mo
Today · 4.125%
HK$38,011
baseline
▲ 0.50% · 4.625%
HK$40,324
+HK$2,313/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,022/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,792
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,859
−HK$1,083/mo
Today · 4.125%
HK$41,942
baseline
▲ 0.50% · 4.625%
HK$44,153
+HK$2,211/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,884/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,922
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,257
−HK$1,357/mo
Today · 4.125%
HK$45,614
baseline
▲ 0.50% · 4.625%
HK$48,389
+HK$2,775/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,228/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,750
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,031
−HK$1,299/mo
Today · 4.125%
HK$50,330
baseline
▲ 0.50% · 4.625%
HK$52,983
+HK$2,653/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,660/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,076
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,633
−HK$1,583/mo
Today · 4.125%
HK$53,216
baseline
▲ 0.50% · 4.625%
HK$56,454
+HK$3,238/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,432/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,709
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,203
−HK$1,515/mo
Today · 4.125%
HK$58,718
baseline
▲ 0.50% · 4.625%
HK$61,814
+HK$3,096/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,436/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,383
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,386
−HK$2,034/mo
Today · 4.125%
HK$68,420
baseline
▲ 0.50% · 4.625%
HK$72,584
+HK$4,164/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,840/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,625
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,546
−HK$1,949/mo
Today · 4.125%
HK$75,495
baseline
▲ 0.50% · 4.625%
HK$79,475
+HK$3,980/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$150,990/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,229 · Scale 2, in force from 26 Feb 2026)