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$35,656
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,765
−HK$1,127/mo
Today · 4.125%
HK$37,892
baseline
▲ 0.50% · 4.625%
HK$40,198
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,784/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,667
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,731
−HK$1,079/mo
Today · 4.125%
HK$41,810
baseline
▲ 0.50% · 4.625%
HK$44,014
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,620/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,787
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,118
−HK$1,352/mo
Today · 4.125%
HK$45,470
baseline
▲ 0.50% · 4.625%
HK$48,237
+HK$2,767/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,940/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,600
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,877
−HK$1,295/mo
Today · 4.125%
HK$50,172
baseline
▲ 0.50% · 4.625%
HK$52,817
+HK$2,645/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,344/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,918
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,471
−HK$1,578/mo
Today · 4.125%
HK$53,049
baseline
▲ 0.50% · 4.625%
HK$56,277
+HK$3,228/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,098/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,534
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,023
−HK$1,511/mo
Today · 4.125%
HK$58,534
baseline
▲ 0.50% · 4.625%
HK$61,619
+HK$3,085/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,068/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,181
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,177
−HK$2,029/mo
Today · 4.125%
HK$68,206
baseline
▲ 0.50% · 4.625%
HK$72,356
+HK$4,150/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,412/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,401
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,315
−HK$1,943/mo
Today · 4.125%
HK$75,258
baseline
▲ 0.50% · 4.625%
HK$79,225
+HK$3,967/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,516/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,382 · Scale 2, in force from 26 Feb 2026)