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$35,764
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,876
−HK$1,131/mo
Today · 4.125%
HK$38,007
baseline
▲ 0.50% · 4.625%
HK$40,319
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,014/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,787
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,854
−HK$1,083/mo
Today · 4.125%
HK$41,937
baseline
▲ 0.50% · 4.625%
HK$44,147
+HK$2,210/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,874/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,917
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,252
−HK$1,356/mo
Today · 4.125%
HK$45,608
baseline
▲ 0.50% · 4.625%
HK$48,383
+HK$2,775/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,216/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,745
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,025
−HK$1,299/mo
Today · 4.125%
HK$50,324
baseline
▲ 0.50% · 4.625%
HK$52,977
+HK$2,653/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,648/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,070
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,627
−HK$1,582/mo
Today · 4.125%
HK$53,209
baseline
▲ 0.50% · 4.625%
HK$56,447
+HK$3,238/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,418/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,702
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,196
−HK$1,515/mo
Today · 4.125%
HK$58,711
baseline
▲ 0.50% · 4.625%
HK$61,806
+HK$3,095/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,422/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,375
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,378
−HK$2,034/mo
Today · 4.125%
HK$68,412
baseline
▲ 0.50% · 4.625%
HK$72,575
+HK$4,163/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$136,824/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,617
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,538
−HK$1,948/mo
Today · 4.125%
HK$75,486
baseline
▲ 0.50% · 4.625%
HK$79,465
+HK$3,979/mo
Deposit HK$1.57M · loan HK$14.12M · min. income ≈ HK$150,972/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,158 · Scale 2, in force from 26 Feb 2026)