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$35,498
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,603
−HK$1,121/mo
Today · 4.125%
HK$37,724
baseline
▲ 0.50% · 4.625%
HK$40,020
+HK$2,296/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,448/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,492
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,551
−HK$1,074/mo
Today · 4.125%
HK$41,625
baseline
▲ 0.50% · 4.625%
HK$43,819
+HK$2,194/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,250/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,598
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,923
−HK$1,346/mo
Today · 4.125%
HK$45,269
baseline
▲ 0.50% · 4.625%
HK$48,024
+HK$2,755/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,538/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,390
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,661
−HK$1,289/mo
Today · 4.125%
HK$49,950
baseline
▲ 0.50% · 4.625%
HK$52,583
+HK$2,633/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,900/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,698
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,244
−HK$1,570/mo
Today · 4.125%
HK$52,814
baseline
▲ 0.50% · 4.625%
HK$56,028
+HK$3,214/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,628/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,288
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,771
−HK$1,504/mo
Today · 4.125%
HK$58,275
baseline
▲ 0.50% · 4.625%
HK$61,347
+HK$3,072/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,550/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,897
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,885
−HK$2,019/mo
Today · 4.125%
HK$67,904
baseline
▲ 0.50% · 4.625%
HK$72,036
+HK$4,132/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,808/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,085
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,991
−HK$1,934/mo
Today · 4.125%
HK$74,925
baseline
▲ 0.50% · 4.625%
HK$78,875
+HK$3,950/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,850/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,790 · Scale 2, in force from 26 Feb 2026)