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$35,736
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,848
−HK$1,129/mo
Today · 4.125%
HK$37,977
baseline
▲ 0.50% · 4.625%
HK$40,288
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,954/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,756
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,823
−HK$1,081/mo
Today · 4.125%
HK$41,904
baseline
▲ 0.50% · 4.625%
HK$44,113
+HK$2,209/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,808/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,884
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,218
−HK$1,355/mo
Today · 4.125%
HK$45,573
baseline
▲ 0.50% · 4.625%
HK$48,346
+HK$2,773/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,146/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,708
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,987
−HK$1,298/mo
Today · 4.125%
HK$50,285
baseline
▲ 0.50% · 4.625%
HK$52,936
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,570/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,031
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,587
−HK$1,581/mo
Today · 4.125%
HK$53,168
baseline
▲ 0.50% · 4.625%
HK$56,403
+HK$3,235/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,336/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,659
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,152
−HK$1,514/mo
Today · 4.125%
HK$58,666
baseline
▲ 0.50% · 4.625%
HK$61,758
+HK$3,092/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,332/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,325
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,326
−HK$2,033/mo
Today · 4.125%
HK$68,359
baseline
▲ 0.50% · 4.625%
HK$72,519
+HK$4,160/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,718/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,561
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,481
−HK$1,947/mo
Today · 4.125%
HK$75,428
baseline
▲ 0.50% · 4.625%
HK$79,404
+HK$3,976/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,856/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,703 · Scale 2, in force from 26 Feb 2026)