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$35,762
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,874
−HK$1,131/mo
Today · 4.125%
HK$38,005
baseline
▲ 0.50% · 4.625%
HK$40,317
+HK$2,312/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$76,010/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,785
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,852
−HK$1,082/mo
Today · 4.125%
HK$41,934
baseline
▲ 0.50% · 4.625%
HK$44,145
+HK$2,211/mo
Deposit HK$7.84M · loan HK$7.84M · min. income ≈ HK$83,868/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$588,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,914
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,249
−HK$1,357/mo
Today · 4.125%
HK$45,606
baseline
▲ 0.50% · 4.625%
HK$48,381
+HK$2,775/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$91,212/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,742
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,022
−HK$1,299/mo
Today · 4.125%
HK$50,321
baseline
▲ 0.50% · 4.625%
HK$52,974
+HK$2,653/mo
Deposit HK$6.27M · loan HK$9.41M · min. income ≈ HK$100,642/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$588,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,067
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,624
−HK$1,582/mo
Today · 4.125%
HK$53,206
baseline
▲ 0.50% · 4.625%
HK$56,444
+HK$3,238/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$106,412/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,699
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,193
−HK$1,515/mo
Today · 4.125%
HK$58,708
baseline
▲ 0.50% · 4.625%
HK$61,803
+HK$3,095/mo
Deposit HK$4.71M · loan HK$10.98M · min. income ≈ HK$117,416/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$588,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,372
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,374
−HK$2,034/mo
Today · 4.125%
HK$68,408
baseline
▲ 0.50% · 4.625%
HK$72,571
+HK$4,163/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$136,816/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,613
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,533
−HK$1,949/mo
Today · 4.125%
HK$75,482
baseline
▲ 0.50% · 4.625%
HK$79,461
+HK$3,979/mo
Deposit HK$1.57M · loan HK$14.11M · min. income ≈ HK$150,964/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,125 · Scale 2, in force from 26 Feb 2026)