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$35,707
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,818
−HK$1,128/mo
Today · 4.125%
HK$37,946
baseline
▲ 0.50% · 4.625%
HK$40,255
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,892/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,724
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,789
−HK$1,081/mo
Today · 4.125%
HK$41,870
baseline
▲ 0.50% · 4.625%
HK$44,077
+HK$2,207/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,740/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,849
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,182
−HK$1,354/mo
Today · 4.125%
HK$45,536
baseline
▲ 0.50% · 4.625%
HK$48,306
+HK$2,770/mo
Deposit HK$6.26M · loan HK$9.40M · min. income ≈ HK$91,072/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,669
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,947
−HK$1,297/mo
Today · 4.125%
HK$50,244
baseline
▲ 0.50% · 4.625%
HK$52,893
+HK$2,649/mo
Deposit HK$6.26M · loan HK$9.40M · min. income ≈ HK$100,488/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,990
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,545
−HK$1,580/mo
Today · 4.125%
HK$53,125
baseline
▲ 0.50% · 4.625%
HK$56,358
+HK$3,233/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,250/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,614
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,105
−HK$1,513/mo
Today · 4.125%
HK$58,618
baseline
▲ 0.50% · 4.625%
HK$61,708
+HK$3,090/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,236/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,273
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,272
−HK$2,032/mo
Today · 4.125%
HK$68,304
baseline
▲ 0.50% · 4.625%
HK$72,460
+HK$4,156/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,608/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,503
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,421
−HK$1,945/mo
Today · 4.125%
HK$75,366
baseline
▲ 0.50% · 4.625%
HK$79,339
+HK$3,973/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,732/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,225 · Scale 2, in force from 26 Feb 2026)