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$35,755
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,867
−HK$1,130/mo
Today · 4.125%
HK$37,997
baseline
▲ 0.50% · 4.625%
HK$40,309
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,994/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,777
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,844
−HK$1,082/mo
Today · 4.125%
HK$41,926
baseline
▲ 0.50% · 4.625%
HK$44,136
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,852/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,906
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,240
−HK$1,356/mo
Today · 4.125%
HK$45,596
baseline
▲ 0.50% · 4.625%
HK$48,371
+HK$2,775/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,192/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,732
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,012
−HK$1,299/mo
Today · 4.125%
HK$50,311
baseline
▲ 0.50% · 4.625%
HK$52,963
+HK$2,652/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,622/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,057
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,614
−HK$1,582/mo
Today · 4.125%
HK$53,196
baseline
▲ 0.50% · 4.625%
HK$56,432
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$106,392/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,687
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,181
−HK$1,515/mo
Today · 4.125%
HK$58,696
baseline
▲ 0.50% · 4.625%
HK$61,790
+HK$3,094/mo
Deposit HK$4.70M · loan HK$10.98M · min. income ≈ HK$117,392/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,358
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,360
−HK$2,034/mo
Today · 4.125%
HK$68,394
baseline
▲ 0.50% · 4.625%
HK$72,556
+HK$4,162/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,788/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,598
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,518
−HK$1,948/mo
Today · 4.125%
HK$75,466
baseline
▲ 0.50% · 4.625%
HK$79,444
+HK$3,978/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,932/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,005 · Scale 2, in force from 26 Feb 2026)