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$35,772
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,885
−HK$1,130/mo
Today · 4.125%
HK$38,015
baseline
▲ 0.50% · 4.625%
HK$40,328
+HK$2,313/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,030/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,796
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,863
−HK$1,083/mo
Today · 4.125%
HK$41,946
baseline
▲ 0.50% · 4.625%
HK$44,157
+HK$2,211/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,892/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,926
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,261
−HK$1,357/mo
Today · 4.125%
HK$45,618
baseline
▲ 0.50% · 4.625%
HK$48,394
+HK$2,776/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$91,236/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,755
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,036
−HK$1,299/mo
Today · 4.125%
HK$50,335
baseline
▲ 0.50% · 4.625%
HK$52,988
+HK$2,653/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$100,670/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,081
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,638
−HK$1,583/mo
Today · 4.125%
HK$53,221
baseline
▲ 0.50% · 4.625%
HK$56,459
+HK$3,238/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,442/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,714
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,208
−HK$1,516/mo
Today · 4.125%
HK$58,724
baseline
▲ 0.50% · 4.625%
HK$61,820
+HK$3,096/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,448/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,389
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,392
−HK$2,035/mo
Today · 4.125%
HK$68,427
baseline
▲ 0.50% · 4.625%
HK$72,591
+HK$4,164/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,854/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,632
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,554
−HK$1,949/mo
Today · 4.125%
HK$75,503
baseline
▲ 0.50% · 4.625%
HK$79,482
+HK$3,979/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,006/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,287 · Scale 2, in force from 26 Feb 2026)