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$35,512
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,617
−HK$1,122/mo
Today · 4.125%
HK$37,739
baseline
▲ 0.50% · 4.625%
HK$40,036
+HK$2,297/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,478/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,507
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,567
−HK$1,075/mo
Today · 4.125%
HK$41,642
baseline
▲ 0.50% · 4.625%
HK$43,837
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,284/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,615
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,940
−HK$1,347/mo
Today · 4.125%
HK$45,287
baseline
▲ 0.50% · 4.625%
HK$48,043
+HK$2,756/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,574/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$584,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,409
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,680
−HK$1,290/mo
Today · 4.125%
HK$49,970
baseline
▲ 0.50% · 4.625%
HK$52,604
+HK$2,634/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,940/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$584,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,717
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,264
−HK$1,571/mo
Today · 4.125%
HK$52,835
baseline
▲ 0.50% · 4.625%
HK$56,050
+HK$3,215/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,670/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,310
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,793
−HK$1,505/mo
Today · 4.125%
HK$58,298
baseline
▲ 0.50% · 4.625%
HK$61,371
+HK$3,073/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,596/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,922
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,910
−HK$2,021/mo
Today · 4.125%
HK$67,931
baseline
▲ 0.50% · 4.625%
HK$72,064
+HK$4,133/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,862/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,113
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,020
−HK$1,935/mo
Today · 4.125%
HK$74,955
baseline
▲ 0.50% · 4.625%
HK$78,906
+HK$3,951/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,910/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,019 · Scale 2, in force from 26 Feb 2026)