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$35,528
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,633
−HK$1,123/mo
Today · 4.125%
HK$37,756
baseline
▲ 0.50% · 4.625%
HK$40,053
+HK$2,297/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,512/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,524
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,584
−HK$1,076/mo
Today · 4.125%
HK$41,660
baseline
▲ 0.50% · 4.625%
HK$43,855
+HK$2,195/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,320/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$584,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,633
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,959
−HK$1,348/mo
Today · 4.125%
HK$45,307
baseline
▲ 0.50% · 4.625%
HK$48,063
+HK$2,756/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,614/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,429
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,701
−HK$1,290/mo
Today · 4.125%
HK$49,991
baseline
▲ 0.50% · 4.625%
HK$52,627
+HK$2,636/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$99,982/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,739
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,286
−HK$1,572/mo
Today · 4.125%
HK$52,858
baseline
▲ 0.50% · 4.625%
HK$56,074
+HK$3,216/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$105,716/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,334
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,818
−HK$1,505/mo
Today · 4.125%
HK$58,323
baseline
▲ 0.50% · 4.625%
HK$61,398
+HK$3,075/mo
Deposit HK$4.67M · loan HK$10.91M · min. income ≈ HK$116,646/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,950
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,939
−HK$2,021/mo
Today · 4.125%
HK$67,960
baseline
▲ 0.50% · 4.625%
HK$72,095
+HK$4,135/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$135,920/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,143
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,051
−HK$1,936/mo
Today · 4.125%
HK$74,987
baseline
▲ 0.50% · 4.625%
HK$78,940
+HK$3,953/mo
Deposit HK$1.56M · loan HK$14.02M · min. income ≈ HK$149,974/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,271 · Scale 2, in force from 26 Feb 2026)