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$35,708
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,818
−HK$1,129/mo
Today · 4.125%
HK$37,947
baseline
▲ 0.50% · 4.625%
HK$40,256
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,894/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,724
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,790
−HK$1,080/mo
Today · 4.125%
HK$41,870
baseline
▲ 0.50% · 4.625%
HK$44,078
+HK$2,208/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,740/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,849
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,182
−HK$1,354/mo
Today · 4.125%
HK$45,536
baseline
▲ 0.50% · 4.625%
HK$48,307
+HK$2,771/mo
Deposit HK$6.26M · loan HK$9.40M · min. income ≈ HK$91,072/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,669
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,948
−HK$1,297/mo
Today · 4.125%
HK$50,245
baseline
▲ 0.50% · 4.625%
HK$52,893
+HK$2,648/mo
Deposit HK$6.26M · loan HK$9.40M · min. income ≈ HK$100,490/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,991
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,546
−HK$1,579/mo
Today · 4.125%
HK$53,125
baseline
▲ 0.50% · 4.625%
HK$56,358
+HK$3,233/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,250/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,614
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,106
−HK$1,513/mo
Today · 4.125%
HK$58,619
baseline
▲ 0.50% · 4.625%
HK$61,709
+HK$3,090/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,238/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,274
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,273
−HK$2,031/mo
Today · 4.125%
HK$68,304
baseline
▲ 0.50% · 4.625%
HK$72,460
+HK$4,156/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,608/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,504
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,421
−HK$1,946/mo
Today · 4.125%
HK$75,367
baseline
▲ 0.50% · 4.625%
HK$79,340
+HK$3,973/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,734/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,230 · Scale 2, in force from 26 Feb 2026)