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$35,748
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,860
−HK$1,129/mo
Today · 4.125%
HK$37,989
baseline
▲ 0.50% · 4.625%
HK$40,301
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,978/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,769
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,835
−HK$1,082/mo
Today · 4.125%
HK$41,917
baseline
▲ 0.50% · 4.625%
HK$44,127
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,834/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,897
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,232
−HK$1,355/mo
Today · 4.125%
HK$45,587
baseline
▲ 0.50% · 4.625%
HK$48,361
+HK$2,774/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,174/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,723
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,003
−HK$1,298/mo
Today · 4.125%
HK$50,301
baseline
▲ 0.50% · 4.625%
HK$52,952
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,602/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,047
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,603
−HK$1,582/mo
Today · 4.125%
HK$53,185
baseline
▲ 0.50% · 4.625%
HK$56,421
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,370/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,676
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,170
−HK$1,514/mo
Today · 4.125%
HK$58,684
baseline
▲ 0.50% · 4.625%
HK$61,778
+HK$3,094/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,368/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,346
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,347
−HK$2,034/mo
Today · 4.125%
HK$68,381
baseline
▲ 0.50% · 4.625%
HK$72,542
+HK$4,161/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,762/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,584
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,504
−HK$1,947/mo
Today · 4.125%
HK$75,451
baseline
▲ 0.50% · 4.625%
HK$79,429
+HK$3,978/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,902/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,889 · Scale 2, in force from 26 Feb 2026)