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$35,697
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,807
−HK$1,129/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$40,244
+HK$2,308/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$587,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,713
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,778
−HK$1,080/mo
Today · 4.125%
HK$41,858
baseline
▲ 0.50% · 4.625%
HK$44,065
+HK$2,207/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,716/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$587,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,837
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,169
−HK$1,354/mo
Today · 4.125%
HK$45,523
baseline
▲ 0.50% · 4.625%
HK$48,293
+HK$2,770/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,046/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,655
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,933
−HK$1,297/mo
Today · 4.125%
HK$50,230
baseline
▲ 0.50% · 4.625%
HK$52,878
+HK$2,648/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,460/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,976
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,530
−HK$1,580/mo
Today · 4.125%
HK$53,110
baseline
▲ 0.50% · 4.625%
HK$56,342
+HK$3,232/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,220/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,598
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,089
−HK$1,513/mo
Today · 4.125%
HK$58,602
baseline
▲ 0.50% · 4.625%
HK$61,690
+HK$3,088/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,204/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,255
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,253
−HK$2,031/mo
Today · 4.125%
HK$68,284
baseline
▲ 0.50% · 4.625%
HK$72,439
+HK$4,155/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,568/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,483
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,400
−HK$1,945/mo
Today · 4.125%
HK$75,345
baseline
▲ 0.50% · 4.625%
HK$79,316
+HK$3,971/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,690/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,058 · Scale 2, in force from 26 Feb 2026)