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$35,739
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,850
−HK$1,130/mo
Today · 4.125%
HK$37,980
baseline
▲ 0.50% · 4.625%
HK$40,291
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,960/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,759
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,825
−HK$1,082/mo
Today · 4.125%
HK$41,907
baseline
▲ 0.50% · 4.625%
HK$44,116
+HK$2,209/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,814/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,886
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,220
−HK$1,356/mo
Today · 4.125%
HK$45,576
baseline
▲ 0.50% · 4.625%
HK$48,349
+HK$2,773/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,152/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,711
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,990
−HK$1,298/mo
Today · 4.125%
HK$50,288
baseline
▲ 0.50% · 4.625%
HK$52,939
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,576/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,034
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,591
−HK$1,581/mo
Today · 4.125%
HK$53,172
baseline
▲ 0.50% · 4.625%
HK$56,407
+HK$3,235/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,344/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,663
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,155
−HK$1,515/mo
Today · 4.125%
HK$58,670
baseline
▲ 0.50% · 4.625%
HK$61,762
+HK$3,092/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,340/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,330
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,331
−HK$2,033/mo
Today · 4.125%
HK$68,364
baseline
▲ 0.50% · 4.625%
HK$72,523
+HK$4,159/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,728/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,566
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,485
−HK$1,948/mo
Today · 4.125%
HK$75,433
baseline
▲ 0.50% · 4.625%
HK$79,409
+HK$3,976/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,866/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,742 · Scale 2, in force from 26 Feb 2026)