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$35,626
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,734
−HK$1,126/mo
Today · 4.125%
HK$37,860
baseline
▲ 0.50% · 4.625%
HK$40,163
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,720/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,633
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,696
−HK$1,078/mo
Today · 4.125%
HK$41,774
baseline
▲ 0.50% · 4.625%
HK$43,976
+HK$2,202/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,548/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,751
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,080
−HK$1,351/mo
Today · 4.125%
HK$45,431
baseline
▲ 0.50% · 4.625%
HK$48,196
+HK$2,765/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,862/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,560
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,835
−HK$1,294/mo
Today · 4.125%
HK$50,129
baseline
▲ 0.50% · 4.625%
HK$52,771
+HK$2,642/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,258/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,876
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,427
−HK$1,576/mo
Today · 4.125%
HK$53,003
baseline
▲ 0.50% · 4.625%
HK$56,228
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,006/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,486
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,974
−HK$1,510/mo
Today · 4.125%
HK$58,484
baseline
▲ 0.50% · 4.625%
HK$61,567
+HK$3,083/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$116,968/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,126
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,121
−HK$2,026/mo
Today · 4.125%
HK$68,147
baseline
▲ 0.50% · 4.625%
HK$72,294
+HK$4,147/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,294/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,339
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,253
−HK$1,941/mo
Today · 4.125%
HK$75,194
baseline
▲ 0.50% · 4.625%
HK$79,157
+HK$3,963/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,388/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,880 · Scale 2, in force from 26 Feb 2026)