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$35,803
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,916
−HK$1,132/mo
Today · 4.125%
HK$38,048
baseline
▲ 0.50% · 4.625%
HK$40,363
+HK$2,315/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,096/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,830
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,898
−HK$1,084/mo
Today · 4.125%
HK$41,982
baseline
▲ 0.50% · 4.625%
HK$44,195
+HK$2,213/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,964/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,963
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,300
−HK$1,357/mo
Today · 4.125%
HK$45,657
baseline
▲ 0.50% · 4.625%
HK$48,436
+HK$2,779/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,314/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,796
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,078
−HK$1,300/mo
Today · 4.125%
HK$50,378
baseline
▲ 0.50% · 4.625%
HK$53,034
+HK$2,656/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,756/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,124
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,683
−HK$1,584/mo
Today · 4.125%
HK$53,267
baseline
▲ 0.50% · 4.625%
HK$56,508
+HK$3,241/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,534/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,762
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,258
−HK$1,517/mo
Today · 4.125%
HK$58,775
baseline
▲ 0.50% · 4.625%
HK$61,873
+HK$3,098/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,550/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,445
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,449
−HK$2,037/mo
Today · 4.125%
HK$68,486
baseline
▲ 0.50% · 4.625%
HK$72,653
+HK$4,167/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,972/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,694
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,617
−HK$1,951/mo
Today · 4.125%
HK$75,568
baseline
▲ 0.50% · 4.625%
HK$79,551
+HK$3,983/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,136/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,794 · Scale 2, in force from 26 Feb 2026)