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$35,539
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,644
−HK$1,124/mo
Today · 4.125%
HK$37,768
baseline
▲ 0.50% · 4.625%
HK$40,066
+HK$2,298/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,536/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,537
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,597
−HK$1,076/mo
Today · 4.125%
HK$41,673
baseline
▲ 0.50% · 4.625%
HK$43,869
+HK$2,196/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,346/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,647
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,973
−HK$1,348/mo
Today · 4.125%
HK$45,321
baseline
▲ 0.50% · 4.625%
HK$48,079
+HK$2,758/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,642/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,444
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,717
−HK$1,290/mo
Today · 4.125%
HK$50,007
baseline
▲ 0.50% · 4.625%
HK$52,643
+HK$2,636/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$100,014/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,755
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,302
−HK$1,573/mo
Today · 4.125%
HK$52,875
baseline
▲ 0.50% · 4.625%
HK$56,092
+HK$3,217/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,750/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,351
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,836
−HK$1,506/mo
Today · 4.125%
HK$58,342
baseline
▲ 0.50% · 4.625%
HK$61,417
+HK$3,075/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,684/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,970
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,960
−HK$2,022/mo
Today · 4.125%
HK$67,982
baseline
▲ 0.50% · 4.625%
HK$72,118
+HK$4,136/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$135,964/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,166
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,075
−HK$1,936/mo
Today · 4.125%
HK$75,011
baseline
▲ 0.50% · 4.625%
HK$78,965
+HK$3,954/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,022/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,458 · Scale 2, in force from 26 Feb 2026)