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$35,733
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,845
−HK$1,129/mo
Today · 4.125%
HK$37,974
baseline
▲ 0.50% · 4.625%
HK$40,285
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,948/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,753
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,819
−HK$1,082/mo
Today · 4.125%
HK$41,901
baseline
▲ 0.50% · 4.625%
HK$44,109
+HK$2,208/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,802/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,880
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,214
−HK$1,355/mo
Today · 4.125%
HK$45,569
baseline
▲ 0.50% · 4.625%
HK$48,342
+HK$2,773/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,138/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,704
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,983
−HK$1,298/mo
Today · 4.125%
HK$50,281
baseline
▲ 0.50% · 4.625%
HK$52,931
+HK$2,650/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,562/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,027
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,583
−HK$1,581/mo
Today · 4.125%
HK$53,164
baseline
▲ 0.50% · 4.625%
HK$56,399
+HK$3,235/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,328/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,654
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,147
−HK$1,514/mo
Today · 4.125%
HK$58,661
baseline
▲ 0.50% · 4.625%
HK$61,753
+HK$3,092/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,322/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,320
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,321
−HK$2,032/mo
Today · 4.125%
HK$68,353
baseline
▲ 0.50% · 4.625%
HK$72,513
+HK$4,160/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,706/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,555
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,474
−HK$1,947/mo
Today · 4.125%
HK$75,421
baseline
▲ 0.50% · 4.625%
HK$79,397
+HK$3,976/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,842/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,654 · Scale 2, in force from 26 Feb 2026)