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$35,617
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,725
−HK$1,125/mo
Today · 4.125%
HK$37,850
baseline
▲ 0.50% · 4.625%
HK$40,153
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,700/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,623
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,686
−HK$1,078/mo
Today · 4.125%
HK$41,764
baseline
▲ 0.50% · 4.625%
HK$43,965
+HK$2,201/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,528/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,740
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,069
−HK$1,351/mo
Today · 4.125%
HK$45,420
baseline
▲ 0.50% · 4.625%
HK$48,184
+HK$2,764/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,840/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,548
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,823
−HK$1,294/mo
Today · 4.125%
HK$50,117
baseline
▲ 0.50% · 4.625%
HK$52,758
+HK$2,641/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,234/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,863
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,414
−HK$1,576/mo
Today · 4.125%
HK$52,990
baseline
▲ 0.50% · 4.625%
HK$56,215
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$105,980/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,472
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,960
−HK$1,509/mo
Today · 4.125%
HK$58,469
baseline
▲ 0.50% · 4.625%
HK$61,551
+HK$3,082/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$116,938/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,110
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,104
−HK$2,026/mo
Today · 4.125%
HK$68,130
baseline
▲ 0.50% · 4.625%
HK$72,276
+HK$4,146/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,260/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,322
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,235
−HK$1,940/mo
Today · 4.125%
HK$75,175
baseline
▲ 0.50% · 4.625%
HK$79,138
+HK$3,963/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,350/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,735 · Scale 2, in force from 26 Feb 2026)