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$35,514
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,618
−HK$1,123/mo
Today · 4.125%
HK$37,741
baseline
▲ 0.50% · 4.625%
HK$40,037
+HK$2,296/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,482/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,509
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,568
−HK$1,075/mo
Today · 4.125%
HK$41,643
baseline
▲ 0.50% · 4.625%
HK$43,838
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,286/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,617
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,942
−HK$1,347/mo
Today · 4.125%
HK$45,289
baseline
▲ 0.50% · 4.625%
HK$48,045
+HK$2,756/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,578/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$584,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,411
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,682
−HK$1,290/mo
Today · 4.125%
HK$49,972
baseline
▲ 0.50% · 4.625%
HK$52,606
+HK$2,634/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,944/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$584,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,719
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,266
−HK$1,571/mo
Today · 4.125%
HK$52,837
baseline
▲ 0.50% · 4.625%
HK$56,052
+HK$3,215/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,674/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,312
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,796
−HK$1,505/mo
Today · 4.125%
HK$58,301
baseline
▲ 0.50% · 4.625%
HK$61,374
+HK$3,073/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,602/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,925
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,913
−HK$2,021/mo
Today · 4.125%
HK$67,934
baseline
▲ 0.50% · 4.625%
HK$72,067
+HK$4,133/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,868/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,116
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,023
−HK$1,935/mo
Today · 4.125%
HK$74,958
baseline
▲ 0.50% · 4.625%
HK$78,909
+HK$3,951/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,916/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,044 · Scale 2, in force from 26 Feb 2026)