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$35,480
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,584
−HK$1,121/mo
Today · 4.125%
HK$37,705
baseline
▲ 0.50% · 4.625%
HK$40,000
+HK$2,295/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,410/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,471
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,530
−HK$1,074/mo
Today · 4.125%
HK$41,604
baseline
▲ 0.50% · 4.625%
HK$43,797
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,208/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,576
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,901
−HK$1,345/mo
Today · 4.125%
HK$45,246
baseline
▲ 0.50% · 4.625%
HK$47,999
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$90,492/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,366
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,636
−HK$1,289/mo
Today · 4.125%
HK$49,925
baseline
▲ 0.50% · 4.625%
HK$52,556
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$99,850/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,672
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,218
−HK$1,569/mo
Today · 4.125%
HK$52,787
baseline
▲ 0.50% · 4.625%
HK$55,999
+HK$3,212/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,574/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,260
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,742
−HK$1,504/mo
Today · 4.125%
HK$58,246
baseline
▲ 0.50% · 4.625%
HK$61,316
+HK$3,070/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,492/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,865
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,851
−HK$2,018/mo
Today · 4.125%
HK$67,869
baseline
▲ 0.50% · 4.625%
HK$71,999
+HK$4,130/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,738/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,049
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,954
−HK$1,933/mo
Today · 4.125%
HK$74,887
baseline
▲ 0.50% · 4.625%
HK$78,835
+HK$3,948/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,774/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,493 · Scale 2, in force from 26 Feb 2026)