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$35,705
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,816
−HK$1,128/mo
Today · 4.125%
HK$37,944
baseline
▲ 0.50% · 4.625%
HK$40,253
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,888/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,721
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,787
−HK$1,081/mo
Today · 4.125%
HK$41,868
baseline
▲ 0.50% · 4.625%
HK$44,074
+HK$2,206/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,736/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,846
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,179
−HK$1,354/mo
Today · 4.125%
HK$45,533
baseline
▲ 0.50% · 4.625%
HK$48,303
+HK$2,770/mo
Deposit HK$6.26M · loan HK$9.40M · min. income ≈ HK$91,066/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,666
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,944
−HK$1,297/mo
Today · 4.125%
HK$50,241
baseline
▲ 0.50% · 4.625%
HK$52,889
+HK$2,648/mo
Deposit HK$6.26M · loan HK$9.40M · min. income ≈ HK$100,482/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,987
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,542
−HK$1,580/mo
Today · 4.125%
HK$53,122
baseline
▲ 0.50% · 4.625%
HK$56,354
+HK$3,232/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,244/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,610
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,102
−HK$1,513/mo
Today · 4.125%
HK$58,615
baseline
▲ 0.50% · 4.625%
HK$61,704
+HK$3,089/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,230/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,269
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,268
−HK$2,031/mo
Today · 4.125%
HK$68,299
baseline
▲ 0.50% · 4.625%
HK$72,455
+HK$4,156/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,598/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,499
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,416
−HK$1,946/mo
Today · 4.125%
HK$75,362
baseline
▲ 0.50% · 4.625%
HK$79,334
+HK$3,972/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,724/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,188 · Scale 2, in force from 26 Feb 2026)