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$35,541
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,646
−HK$1,123/mo
Today · 4.125%
HK$37,769
baseline
▲ 0.50% · 4.625%
HK$40,068
+HK$2,299/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,538/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,539
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,599
−HK$1,076/mo
Today · 4.125%
HK$41,675
baseline
▲ 0.50% · 4.625%
HK$43,872
+HK$2,197/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,350/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,649
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,976
−HK$1,347/mo
Today · 4.125%
HK$45,323
baseline
▲ 0.50% · 4.625%
HK$48,081
+HK$2,758/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,646/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,447
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,719
−HK$1,291/mo
Today · 4.125%
HK$50,010
baseline
▲ 0.50% · 4.625%
HK$52,646
+HK$2,636/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$100,020/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,757
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,305
−HK$1,572/mo
Today · 4.125%
HK$52,877
baseline
▲ 0.50% · 4.625%
HK$56,095
+HK$3,218/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,754/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,354
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,839
−HK$1,506/mo
Today · 4.125%
HK$58,345
baseline
▲ 0.50% · 4.625%
HK$61,420
+HK$3,075/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,690/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,973
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,963
−HK$2,022/mo
Today · 4.125%
HK$67,985
baseline
▲ 0.50% · 4.625%
HK$72,122
+HK$4,137/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$135,970/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,170
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,078
−HK$1,937/mo
Today · 4.125%
HK$75,015
baseline
▲ 0.50% · 4.625%
HK$78,969
+HK$3,954/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,030/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,487 · Scale 2, in force from 26 Feb 2026)