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$35,765
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,877
−HK$1,131/mo
Today · 4.125%
HK$38,008
baseline
▲ 0.50% · 4.625%
HK$40,320
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,016/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,788
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,855
−HK$1,083/mo
Today · 4.125%
HK$41,938
baseline
▲ 0.50% · 4.625%
HK$44,148
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,876/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,918
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,253
−HK$1,356/mo
Today · 4.125%
HK$45,609
baseline
▲ 0.50% · 4.625%
HK$48,384
+HK$2,775/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,218/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,746
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,026
−HK$1,299/mo
Today · 4.125%
HK$50,325
baseline
▲ 0.50% · 4.625%
HK$52,978
+HK$2,653/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,650/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,071
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,628
−HK$1,583/mo
Today · 4.125%
HK$53,211
baseline
▲ 0.50% · 4.625%
HK$56,448
+HK$3,237/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,422/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,703
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,197
−HK$1,516/mo
Today · 4.125%
HK$58,713
baseline
▲ 0.50% · 4.625%
HK$61,807
+HK$3,094/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,426/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,377
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,379
−HK$2,035/mo
Today · 4.125%
HK$68,414
baseline
▲ 0.50% · 4.625%
HK$72,576
+HK$4,162/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,828/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,618
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,539
−HK$1,949/mo
Today · 4.125%
HK$75,488
baseline
▲ 0.50% · 4.625%
HK$79,467
+HK$3,979/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$150,976/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,170 · Scale 2, in force from 26 Feb 2026)