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$35,777
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,890
−HK$1,131/mo
Today · 4.125%
HK$38,021
baseline
▲ 0.50% · 4.625%
HK$40,335
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,042/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,802
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,870
−HK$1,082/mo
Today · 4.125%
HK$41,952
baseline
▲ 0.50% · 4.625%
HK$44,164
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,904/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,933
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,268
−HK$1,357/mo
Today · 4.125%
HK$45,625
baseline
▲ 0.50% · 4.625%
HK$48,401
+HK$2,776/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$91,250/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,763
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,043
−HK$1,300/mo
Today · 4.125%
HK$50,343
baseline
▲ 0.50% · 4.625%
HK$52,997
+HK$2,654/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$100,686/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,088
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,647
−HK$1,582/mo
Today · 4.125%
HK$53,229
baseline
▲ 0.50% · 4.625%
HK$56,468
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,458/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,723
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,217
−HK$1,516/mo
Today · 4.125%
HK$58,733
baseline
▲ 0.50% · 4.625%
HK$61,829
+HK$3,096/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,466/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,399
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,403
−HK$2,035/mo
Today · 4.125%
HK$68,438
baseline
▲ 0.50% · 4.625%
HK$72,602
+HK$4,164/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,876/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,644
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,565
−HK$1,949/mo
Today · 4.125%
HK$75,514
baseline
▲ 0.50% · 4.625%
HK$79,495
+HK$3,981/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,028/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,380 · Scale 2, in force from 26 Feb 2026)