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$35,770
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,883
−HK$1,130/mo
Today · 4.125%
HK$38,013
baseline
▲ 0.50% · 4.625%
HK$40,326
+HK$2,313/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,026/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,794
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,861
−HK$1,083/mo
Today · 4.125%
HK$41,944
baseline
▲ 0.50% · 4.625%
HK$44,155
+HK$2,211/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,888/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,924
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,259
−HK$1,357/mo
Today · 4.125%
HK$45,616
baseline
▲ 0.50% · 4.625%
HK$48,391
+HK$2,775/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,232/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,753
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,033
−HK$1,300/mo
Today · 4.125%
HK$50,333
baseline
▲ 0.50% · 4.625%
HK$52,986
+HK$2,653/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,666/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,078
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,636
−HK$1,582/mo
Today · 4.125%
HK$53,218
baseline
▲ 0.50% · 4.625%
HK$56,457
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,436/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,711
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,206
−HK$1,515/mo
Today · 4.125%
HK$58,721
baseline
▲ 0.50% · 4.625%
HK$61,817
+HK$3,096/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,442/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,386
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,389
−HK$2,035/mo
Today · 4.125%
HK$68,424
baseline
▲ 0.50% · 4.625%
HK$72,587
+HK$4,163/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,848/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,629
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,550
−HK$1,949/mo
Today · 4.125%
HK$75,499
baseline
▲ 0.50% · 4.625%
HK$79,478
+HK$3,979/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$150,998/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,258 · Scale 2, in force from 26 Feb 2026)