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$35,695
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,805
−HK$1,128/mo
Today · 4.125%
HK$37,933
baseline
▲ 0.50% · 4.625%
HK$40,242
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,866/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$587,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,710
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,775
−HK$1,081/mo
Today · 4.125%
HK$41,856
baseline
▲ 0.50% · 4.625%
HK$44,062
+HK$2,206/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,712/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$587,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,834
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,166
−HK$1,354/mo
Today · 4.125%
HK$45,520
baseline
▲ 0.50% · 4.625%
HK$48,290
+HK$2,770/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,040/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,652
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,930
−HK$1,297/mo
Today · 4.125%
HK$50,227
baseline
▲ 0.50% · 4.625%
HK$52,874
+HK$2,647/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,454/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,973
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,527
−HK$1,580/mo
Today · 4.125%
HK$53,107
baseline
▲ 0.50% · 4.625%
HK$56,338
+HK$3,231/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,214/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,595
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,086
−HK$1,512/mo
Today · 4.125%
HK$58,598
baseline
▲ 0.50% · 4.625%
HK$61,687
+HK$3,089/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,196/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,251
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,250
−HK$2,030/mo
Today · 4.125%
HK$68,280
baseline
▲ 0.50% · 4.625%
HK$72,435
+HK$4,155/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,560/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,479
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,396
−HK$1,944/mo
Today · 4.125%
HK$75,340
baseline
▲ 0.50% · 4.625%
HK$79,312
+HK$3,972/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,680/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,024 · Scale 2, in force from 26 Feb 2026)