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$35,689
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,799
−HK$1,127/mo
Today · 4.125%
HK$37,926
baseline
▲ 0.50% · 4.625%
HK$40,234
+HK$2,308/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,852/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,703
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,768
−HK$1,080/mo
Today · 4.125%
HK$41,848
baseline
▲ 0.50% · 4.625%
HK$44,054
+HK$2,206/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,696/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,826
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,158
−HK$1,354/mo
Today · 4.125%
HK$45,512
baseline
▲ 0.50% · 4.625%
HK$48,281
+HK$2,769/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,024/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,644
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,922
−HK$1,296/mo
Today · 4.125%
HK$50,218
baseline
▲ 0.50% · 4.625%
HK$52,865
+HK$2,647/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,436/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,964
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,518
−HK$1,579/mo
Today · 4.125%
HK$53,097
baseline
▲ 0.50% · 4.625%
HK$56,328
+HK$3,231/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,194/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,584
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,075
−HK$1,512/mo
Today · 4.125%
HK$58,587
baseline
▲ 0.50% · 4.625%
HK$61,676
+HK$3,089/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,174/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,239
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,238
−HK$2,030/mo
Today · 4.125%
HK$68,268
baseline
▲ 0.50% · 4.625%
HK$72,422
+HK$4,154/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,536/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,466
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,382
−HK$1,945/mo
Today · 4.125%
HK$75,327
baseline
▲ 0.50% · 4.625%
HK$79,297
+HK$3,970/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,654/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,916 · Scale 2, in force from 26 Feb 2026)