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$35,508
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,613
−HK$1,122/mo
Today · 4.125%
HK$37,735
baseline
▲ 0.50% · 4.625%
HK$40,031
+HK$2,296/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,470/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,503
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,562
−HK$1,075/mo
Today · 4.125%
HK$41,637
baseline
▲ 0.50% · 4.625%
HK$43,832
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,274/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,610
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,935
−HK$1,347/mo
Today · 4.125%
HK$45,282
baseline
▲ 0.50% · 4.625%
HK$48,037
+HK$2,755/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,564/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,403
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,674
−HK$1,290/mo
Today · 4.125%
HK$49,964
baseline
▲ 0.50% · 4.625%
HK$52,598
+HK$2,634/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,928/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,712
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,258
−HK$1,571/mo
Today · 4.125%
HK$52,829
baseline
▲ 0.50% · 4.625%
HK$56,043
+HK$3,214/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,658/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$583,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,304
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,787
−HK$1,505/mo
Today · 4.125%
HK$58,292
baseline
▲ 0.50% · 4.625%
HK$61,364
+HK$3,072/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,584/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$583,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,915
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,903
−HK$2,020/mo
Today · 4.125%
HK$67,923
baseline
▲ 0.50% · 4.625%
HK$72,056
+HK$4,133/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,846/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,105
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,012
−HK$1,934/mo
Today · 4.125%
HK$74,946
baseline
▲ 0.50% · 4.625%
HK$78,897
+HK$3,951/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,892/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,953 · Scale 2, in force from 26 Feb 2026)