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$35,749
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,861
−HK$1,130/mo
Today · 4.125%
HK$37,991
baseline
▲ 0.50% · 4.625%
HK$40,303
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,982/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,771
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,838
−HK$1,082/mo
Today · 4.125%
HK$41,920
baseline
▲ 0.50% · 4.625%
HK$44,129
+HK$2,209/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,840/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$587,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,899
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,234
−HK$1,356/mo
Today · 4.125%
HK$45,590
baseline
▲ 0.50% · 4.625%
HK$48,364
+HK$2,774/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,180/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,725
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,005
−HK$1,299/mo
Today · 4.125%
HK$50,304
baseline
▲ 0.50% · 4.625%
HK$52,955
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,608/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,049
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,606
−HK$1,582/mo
Today · 4.125%
HK$53,188
baseline
▲ 0.50% · 4.625%
HK$56,424
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,376/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,679
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,173
−HK$1,514/mo
Today · 4.125%
HK$58,687
baseline
▲ 0.50% · 4.625%
HK$61,781
+HK$3,094/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,374/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,349
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,351
−HK$2,033/mo
Today · 4.125%
HK$68,384
baseline
▲ 0.50% · 4.625%
HK$72,545
+HK$4,161/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,768/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,588
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,508
−HK$1,947/mo
Today · 4.125%
HK$75,455
baseline
▲ 0.50% · 4.625%
HK$79,433
+HK$3,978/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,910/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,919 · Scale 2, in force from 26 Feb 2026)