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$35,761
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,873
−HK$1,130/mo
Today · 4.125%
HK$38,003
baseline
▲ 0.50% · 4.625%
HK$40,316
+HK$2,313/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,006/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,783
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,850
−HK$1,083/mo
Today · 4.125%
HK$41,933
baseline
▲ 0.50% · 4.625%
HK$44,143
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,866/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,913
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,248
−HK$1,356/mo
Today · 4.125%
HK$45,604
baseline
▲ 0.50% · 4.625%
HK$48,379
+HK$2,775/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,208/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,740
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,020
−HK$1,299/mo
Today · 4.125%
HK$50,319
baseline
▲ 0.50% · 4.625%
HK$52,972
+HK$2,653/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,638/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,065
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,622
−HK$1,582/mo
Today · 4.125%
HK$53,204
baseline
▲ 0.50% · 4.625%
HK$56,442
+HK$3,238/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$106,408/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,697
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,191
−HK$1,515/mo
Today · 4.125%
HK$58,706
baseline
▲ 0.50% · 4.625%
HK$61,800
+HK$3,094/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$117,412/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,369
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,371
−HK$2,035/mo
Today · 4.125%
HK$68,406
baseline
▲ 0.50% · 4.625%
HK$72,568
+HK$4,162/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,812/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,610
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,531
−HK$1,948/mo
Today · 4.125%
HK$75,479
baseline
▲ 0.50% · 4.625%
HK$79,458
+HK$3,979/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,958/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,103 · Scale 2, in force from 26 Feb 2026)