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$35,725
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,837
−HK$1,129/mo
Today · 4.125%
HK$37,966
baseline
▲ 0.50% · 4.625%
HK$40,276
+HK$2,310/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,932/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,744
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,810
−HK$1,081/mo
Today · 4.125%
HK$41,891
baseline
▲ 0.50% · 4.625%
HK$44,100
+HK$2,209/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,782/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,870
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,204
−HK$1,355/mo
Today · 4.125%
HK$45,559
baseline
▲ 0.50% · 4.625%
HK$48,331
+HK$2,772/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,118/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,693
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,972
−HK$1,298/mo
Today · 4.125%
HK$50,270
baseline
▲ 0.50% · 4.625%
HK$52,919
+HK$2,649/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,540/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,016
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,571
−HK$1,581/mo
Today · 4.125%
HK$53,152
baseline
▲ 0.50% · 4.625%
HK$56,386
+HK$3,234/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,304/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,642
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,134
−HK$1,514/mo
Today · 4.125%
HK$58,648
baseline
▲ 0.50% · 4.625%
HK$61,739
+HK$3,091/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,296/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,306
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,306
−HK$2,032/mo
Today · 4.125%
HK$68,338
baseline
▲ 0.50% · 4.625%
HK$72,496
+HK$4,158/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,676/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,539
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,458
−HK$1,947/mo
Today · 4.125%
HK$75,405
baseline
▲ 0.50% · 4.625%
HK$79,379
+HK$3,974/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,810/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,523 · Scale 2, in force from 26 Feb 2026)