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$35,549
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,654
−HK$1,124/mo
Today · 4.125%
HK$37,778
baseline
▲ 0.50% · 4.625%
HK$40,076
+HK$2,298/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,556/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,547
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,608
−HK$1,076/mo
Today · 4.125%
HK$41,684
baseline
▲ 0.50% · 4.625%
HK$43,881
+HK$2,197/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,368/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,658
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,985
−HK$1,348/mo
Today · 4.125%
HK$45,333
baseline
▲ 0.50% · 4.625%
HK$48,092
+HK$2,759/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$90,666/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,457
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,730
−HK$1,291/mo
Today · 4.125%
HK$50,021
baseline
▲ 0.50% · 4.625%
HK$52,657
+HK$2,636/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$100,042/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,768
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,316
−HK$1,573/mo
Today · 4.125%
HK$52,889
baseline
▲ 0.50% · 4.625%
HK$56,107
+HK$3,218/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,778/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,366
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,851
−HK$1,507/mo
Today · 4.125%
HK$58,358
baseline
▲ 0.50% · 4.625%
HK$61,434
+HK$3,076/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,716/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,987
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,978
−HK$2,022/mo
Today · 4.125%
HK$68,000
baseline
▲ 0.50% · 4.625%
HK$72,138
+HK$4,138/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$136,000/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,185
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,094
−HK$1,937/mo
Today · 4.125%
HK$75,031
baseline
▲ 0.50% · 4.625%
HK$78,986
+HK$3,955/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,062/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,614 · Scale 2, in force from 26 Feb 2026)