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$35,521
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,626
−HK$1,122/mo
Today · 4.125%
HK$37,748
baseline
▲ 0.50% · 4.625%
HK$40,045
+HK$2,297/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,496/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,517
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,576
−HK$1,076/mo
Today · 4.125%
HK$41,652
baseline
▲ 0.50% · 4.625%
HK$43,847
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,304/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,625
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,951
−HK$1,347/mo
Today · 4.125%
HK$45,298
baseline
▲ 0.50% · 4.625%
HK$48,054
+HK$2,756/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,596/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,420
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,692
−HK$1,290/mo
Today · 4.125%
HK$49,982
baseline
▲ 0.50% · 4.625%
HK$52,617
+HK$2,635/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$99,964/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,729
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,276
−HK$1,572/mo
Today · 4.125%
HK$52,848
baseline
▲ 0.50% · 4.625%
HK$56,063
+HK$3,215/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,696/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,323
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,807
−HK$1,505/mo
Today · 4.125%
HK$58,312
baseline
▲ 0.50% · 4.625%
HK$61,386
+HK$3,074/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,624/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,938
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,926
−HK$2,021/mo
Today · 4.125%
HK$67,947
baseline
▲ 0.50% · 4.625%
HK$72,081
+HK$4,134/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,894/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,130
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,038
−HK$1,935/mo
Today · 4.125%
HK$74,973
baseline
▲ 0.50% · 4.625%
HK$78,925
+HK$3,952/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,946/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,160 · Scale 2, in force from 26 Feb 2026)