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$35,776
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,889
−HK$1,130/mo
Today · 4.125%
HK$38,019
baseline
▲ 0.50% · 4.625%
HK$40,333
+HK$2,314/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,038/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,800
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,868
−HK$1,083/mo
Today · 4.125%
HK$41,951
baseline
▲ 0.50% · 4.625%
HK$44,162
+HK$2,211/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,902/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,931
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,266
−HK$1,357/mo
Today · 4.125%
HK$45,623
baseline
▲ 0.50% · 4.625%
HK$48,399
+HK$2,776/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$91,246/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,760
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,041
−HK$1,300/mo
Today · 4.125%
HK$50,341
baseline
▲ 0.50% · 4.625%
HK$52,994
+HK$2,653/mo
Deposit HK$6.28M · loan HK$9.41M · min. income ≈ HK$100,682/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,086
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,644
−HK$1,583/mo
Today · 4.125%
HK$53,227
baseline
▲ 0.50% · 4.625%
HK$56,466
+HK$3,239/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,454/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,720
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,215
−HK$1,516/mo
Today · 4.125%
HK$58,731
baseline
▲ 0.50% · 4.625%
HK$61,827
+HK$3,096/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,462/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,397
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,400
−HK$2,035/mo
Today · 4.125%
HK$68,435
baseline
▲ 0.50% · 4.625%
HK$72,599
+HK$4,164/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,870/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,641
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,562
−HK$1,949/mo
Today · 4.125%
HK$75,511
baseline
▲ 0.50% · 4.625%
HK$79,491
+HK$3,980/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$151,022/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,354 · Scale 2, in force from 26 Feb 2026)