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$35,489
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,593
−HK$1,122/mo
Today · 4.125%
HK$37,715
baseline
▲ 0.50% · 4.625%
HK$40,010
+HK$2,295/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,430/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,482
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,541
−HK$1,074/mo
Today · 4.125%
HK$41,615
baseline
▲ 0.50% · 4.625%
HK$43,808
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,230/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,587
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,912
−HK$1,346/mo
Today · 4.125%
HK$45,258
baseline
▲ 0.50% · 4.625%
HK$48,012
+HK$2,754/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,516/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,378
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,649
−HK$1,289/mo
Today · 4.125%
HK$49,938
baseline
▲ 0.50% · 4.625%
HK$52,570
+HK$2,632/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,876/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,685
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,231
−HK$1,570/mo
Today · 4.125%
HK$52,801
baseline
▲ 0.50% · 4.625%
HK$56,014
+HK$3,213/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,602/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,274
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,757
−HK$1,504/mo
Today · 4.125%
HK$58,261
baseline
▲ 0.50% · 4.625%
HK$61,332
+HK$3,071/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,522/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,881
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,868
−HK$2,019/mo
Today · 4.125%
HK$67,887
baseline
▲ 0.50% · 4.625%
HK$72,018
+HK$4,131/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,774/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,067
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,973
−HK$1,934/mo
Today · 4.125%
HK$74,907
baseline
▲ 0.50% · 4.625%
HK$78,855
+HK$3,948/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,814/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,643 · Scale 2, in force from 26 Feb 2026)