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$35,740
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,852
−HK$1,130/mo
Today · 4.125%
HK$37,982
baseline
▲ 0.50% · 4.625%
HK$40,293
+HK$2,311/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$75,964/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,761
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,827
−HK$1,082/mo
Today · 4.125%
HK$41,909
baseline
▲ 0.50% · 4.625%
HK$44,118
+HK$2,209/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,818/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,888
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,222
−HK$1,356/mo
Today · 4.125%
HK$45,578
baseline
▲ 0.50% · 4.625%
HK$48,351
+HK$2,773/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,156/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,713
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,993
−HK$1,298/mo
Today · 4.125%
HK$50,291
baseline
▲ 0.50% · 4.625%
HK$52,942
+HK$2,651/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,582/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,036
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,593
−HK$1,581/mo
Today · 4.125%
HK$53,174
baseline
▲ 0.50% · 4.625%
HK$56,410
+HK$3,236/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,348/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,665
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,158
−HK$1,515/mo
Today · 4.125%
HK$58,673
baseline
▲ 0.50% · 4.625%
HK$61,765
+HK$3,092/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,346/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,333
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,334
−HK$2,033/mo
Today · 4.125%
HK$68,367
baseline
▲ 0.50% · 4.625%
HK$72,527
+HK$4,160/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,734/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,569
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,489
−HK$1,947/mo
Today · 4.125%
HK$75,436
baseline
▲ 0.50% · 4.625%
HK$79,412
+HK$3,976/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,872/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$587,769 · Scale 2, in force from 26 Feb 2026)