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$35,682
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,792
−HK$1,128/mo
Today · 4.125%
HK$37,920
baseline
▲ 0.50% · 4.625%
HK$40,227
+HK$2,307/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,840/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,696
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,761
−HK$1,080/mo
Today · 4.125%
HK$41,841
baseline
▲ 0.50% · 4.625%
HK$44,046
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,682/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,819
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,151
−HK$1,353/mo
Today · 4.125%
HK$45,504
baseline
▲ 0.50% · 4.625%
HK$48,273
+HK$2,769/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,008/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,635
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,913
−HK$1,296/mo
Today · 4.125%
HK$50,209
baseline
▲ 0.50% · 4.625%
HK$52,856
+HK$2,647/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,418/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,955
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,509
−HK$1,579/mo
Today · 4.125%
HK$53,088
baseline
▲ 0.50% · 4.625%
HK$56,318
+HK$3,230/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,176/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,575
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,065
−HK$1,512/mo
Today · 4.125%
HK$58,577
baseline
▲ 0.50% · 4.625%
HK$61,665
+HK$3,088/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,154/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,228
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,226
−HK$2,030/mo
Today · 4.125%
HK$68,256
baseline
▲ 0.50% · 4.625%
HK$72,409
+HK$4,153/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,512/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,453
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,370
−HK$1,944/mo
Today · 4.125%
HK$75,314
baseline
▲ 0.50% · 4.625%
HK$79,283
+HK$3,969/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,628/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,815 · Scale 2, in force from 26 Feb 2026)