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$35,688
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,798
−HK$1,128/mo
Today · 4.125%
HK$37,926
baseline
▲ 0.50% · 4.625%
HK$40,233
+HK$2,307/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$586,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,702
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,767
−HK$1,080/mo
Today · 4.125%
HK$41,847
baseline
▲ 0.50% · 4.625%
HK$44,053
+HK$2,206/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,694/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,825
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,158
−HK$1,353/mo
Today · 4.125%
HK$45,511
baseline
▲ 0.50% · 4.625%
HK$48,280
+HK$2,769/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,022/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,643
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,921
−HK$1,296/mo
Today · 4.125%
HK$50,217
baseline
▲ 0.50% · 4.625%
HK$52,864
+HK$2,647/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,434/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,963
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,517
−HK$1,579/mo
Today · 4.125%
HK$53,096
baseline
▲ 0.50% · 4.625%
HK$56,327
+HK$3,231/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,192/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,583
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,074
−HK$1,512/mo
Today · 4.125%
HK$58,586
baseline
▲ 0.50% · 4.625%
HK$61,675
+HK$3,089/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,172/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,238
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,236
−HK$2,030/mo
Today · 4.125%
HK$68,266
baseline
▲ 0.50% · 4.625%
HK$72,420
+HK$4,154/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,532/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,464
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,381
−HK$1,944/mo
Today · 4.125%
HK$75,325
baseline
▲ 0.50% · 4.625%
HK$79,296
+HK$3,971/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,650/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,906 · Scale 2, in force from 26 Feb 2026)