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$35,794
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,908
−HK$1,131/mo
Today · 4.125%
HK$38,039
baseline
▲ 0.50% · 4.625%
HK$40,354
+HK$2,315/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,078/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,821
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,889
−HK$1,083/mo
Today · 4.125%
HK$41,972
baseline
▲ 0.50% · 4.625%
HK$44,185
+HK$2,213/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,944/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,953
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,289
−HK$1,358/mo
Today · 4.125%
HK$45,647
baseline
▲ 0.50% · 4.625%
HK$48,424
+HK$2,777/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,294/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,785
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,067
−HK$1,300/mo
Today · 4.125%
HK$50,367
baseline
▲ 0.50% · 4.625%
HK$53,022
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,734/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,112
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,671
−HK$1,584/mo
Today · 4.125%
HK$53,255
baseline
▲ 0.50% · 4.625%
HK$56,495
+HK$3,240/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,510/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,749
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,244
−HK$1,517/mo
Today · 4.125%
HK$58,761
baseline
▲ 0.50% · 4.625%
HK$61,859
+HK$3,098/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,522/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,430
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,434
−HK$2,036/mo
Today · 4.125%
HK$68,470
baseline
▲ 0.50% · 4.625%
HK$72,636
+HK$4,166/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,940/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,678
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,600
−HK$1,950/mo
Today · 4.125%
HK$75,550
baseline
▲ 0.50% · 4.625%
HK$79,532
+HK$3,982/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,100/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,657 · Scale 2, in force from 26 Feb 2026)