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$35,530
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,635
−HK$1,123/mo
Today · 4.125%
HK$37,758
baseline
▲ 0.50% · 4.625%
HK$40,055
+HK$2,297/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,516/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,527
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,587
−HK$1,075/mo
Today · 4.125%
HK$41,662
baseline
▲ 0.50% · 4.625%
HK$43,858
+HK$2,196/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,324/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,636
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,962
−HK$1,348/mo
Today · 4.125%
HK$45,310
baseline
▲ 0.50% · 4.625%
HK$48,066
+HK$2,756/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,620/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,432
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,704
−HK$1,291/mo
Today · 4.125%
HK$49,995
baseline
▲ 0.50% · 4.625%
HK$52,630
+HK$2,635/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$99,990/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,742
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,289
−HK$1,572/mo
Today · 4.125%
HK$52,861
baseline
▲ 0.50% · 4.625%
HK$56,078
+HK$3,217/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$105,722/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,337
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,821
−HK$1,506/mo
Today · 4.125%
HK$58,327
baseline
▲ 0.50% · 4.625%
HK$61,402
+HK$3,075/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$116,654/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,954
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,943
−HK$2,021/mo
Today · 4.125%
HK$67,964
baseline
▲ 0.50% · 4.625%
HK$72,100
+HK$4,136/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,928/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,148
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,056
−HK$1,936/mo
Today · 4.125%
HK$74,992
baseline
▲ 0.50% · 4.625%
HK$78,945
+HK$3,953/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,984/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,308 · Scale 2, in force from 26 Feb 2026)