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$35,758
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,871
−HK$1,130/mo
Today · 4.125%
HK$38,001
baseline
▲ 0.50% · 4.625%
HK$40,313
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,002/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,781
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,848
−HK$1,082/mo
Today · 4.125%
HK$41,930
baseline
▲ 0.50% · 4.625%
HK$44,140
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,860/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,910
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,245
−HK$1,356/mo
Today · 4.125%
HK$45,601
baseline
▲ 0.50% · 4.625%
HK$48,375
+HK$2,774/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,202/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,737
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,017
−HK$1,299/mo
Today · 4.125%
HK$50,316
baseline
▲ 0.50% · 4.625%
HK$52,968
+HK$2,652/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,632/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,062
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,619
−HK$1,582/mo
Today · 4.125%
HK$53,201
baseline
▲ 0.50% · 4.625%
HK$56,438
+HK$3,237/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$106,402/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,693
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,187
−HK$1,515/mo
Today · 4.125%
HK$58,702
baseline
▲ 0.50% · 4.625%
HK$61,796
+HK$3,094/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$117,404/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,365
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,367
−HK$2,034/mo
Today · 4.125%
HK$68,401
baseline
▲ 0.50% · 4.625%
HK$72,563
+HK$4,162/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,802/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,605
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,526
−HK$1,948/mo
Today · 4.125%
HK$75,474
baseline
▲ 0.50% · 4.625%
HK$79,452
+HK$3,978/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,948/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,064 · Scale 2, in force from 26 Feb 2026)