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$35,539
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,644
−HK$1,123/mo
Today · 4.125%
HK$37,767
baseline
▲ 0.50% · 4.625%
HK$40,065
+HK$2,298/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,534/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,536
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,597
−HK$1,075/mo
Today · 4.125%
HK$41,672
baseline
▲ 0.50% · 4.625%
HK$43,869
+HK$2,197/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,344/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,646
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,973
−HK$1,348/mo
Today · 4.125%
HK$45,321
baseline
▲ 0.50% · 4.625%
HK$48,078
+HK$2,757/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,642/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,444
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,716
−HK$1,291/mo
Today · 4.125%
HK$50,007
baseline
▲ 0.50% · 4.625%
HK$52,643
+HK$2,636/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$100,014/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,754
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,302
−HK$1,572/mo
Today · 4.125%
HK$52,874
baseline
▲ 0.50% · 4.625%
HK$56,091
+HK$3,217/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,748/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,351
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,835
−HK$1,506/mo
Today · 4.125%
HK$58,341
baseline
▲ 0.50% · 4.625%
HK$61,417
+HK$3,076/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,682/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,970
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,959
−HK$2,022/mo
Today · 4.125%
HK$67,981
baseline
▲ 0.50% · 4.625%
HK$72,117
+HK$4,136/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$135,962/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,165
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,074
−HK$1,936/mo
Today · 4.125%
HK$75,010
baseline
▲ 0.50% · 4.625%
HK$78,964
+HK$3,954/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,020/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,451 · Scale 2, in force from 26 Feb 2026)