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$35,506
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,611
−HK$1,122/mo
Today · 4.125%
HK$37,733
baseline
▲ 0.50% · 4.625%
HK$40,029
+HK$2,296/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,466/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,501
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,560
−HK$1,075/mo
Today · 4.125%
HK$41,635
baseline
▲ 0.50% · 4.625%
HK$43,829
+HK$2,194/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,270/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,608
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,933
−HK$1,347/mo
Today · 4.125%
HK$45,280
baseline
▲ 0.50% · 4.625%
HK$48,035
+HK$2,755/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,560/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,401
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,672
−HK$1,290/mo
Today · 4.125%
HK$49,962
baseline
▲ 0.50% · 4.625%
HK$52,595
+HK$2,633/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,924/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,709
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,255
−HK$1,571/mo
Today · 4.125%
HK$52,826
baseline
▲ 0.50% · 4.625%
HK$56,041
+HK$3,215/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,652/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,301
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,784
−HK$1,505/mo
Today · 4.125%
HK$58,289
baseline
▲ 0.50% · 4.625%
HK$61,361
+HK$3,072/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,578/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,912
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,900
−HK$2,019/mo
Today · 4.125%
HK$67,919
baseline
▲ 0.50% · 4.625%
HK$72,052
+HK$4,133/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,838/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,101
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,008
−HK$1,934/mo
Today · 4.125%
HK$74,942
baseline
▲ 0.50% · 4.625%
HK$78,893
+HK$3,951/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,884/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,923 · Scale 2, in force from 26 Feb 2026)