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$35,602
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,710
−HK$1,125/mo
Today · 4.125%
HK$37,835
baseline
▲ 0.50% · 4.625%
HK$40,137
+HK$2,302/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,670/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,607
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,669
−HK$1,078/mo
Today · 4.125%
HK$41,747
baseline
▲ 0.50% · 4.625%
HK$43,947
+HK$2,200/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,494/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,723
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,052
−HK$1,350/mo
Today · 4.125%
HK$45,402
baseline
▲ 0.50% · 4.625%
HK$48,164
+HK$2,762/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,804/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,529
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,803
−HK$1,293/mo
Today · 4.125%
HK$50,096
baseline
▲ 0.50% · 4.625%
HK$52,737
+HK$2,641/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,192/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,843
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,394
−HK$1,575/mo
Today · 4.125%
HK$52,969
baseline
▲ 0.50% · 4.625%
HK$56,192
+HK$3,223/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,938/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,450
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,937
−HK$1,509/mo
Today · 4.125%
HK$58,446
baseline
▲ 0.50% · 4.625%
HK$61,526
+HK$3,080/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,892/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,084
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,077
−HK$2,026/mo
Today · 4.125%
HK$68,103
baseline
▲ 0.50% · 4.625%
HK$72,247
+HK$4,144/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,206/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,293
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,205
−HK$1,940/mo
Today · 4.125%
HK$75,145
baseline
▲ 0.50% · 4.625%
HK$79,105
+HK$3,960/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,290/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,497 · Scale 2, in force from 26 Feb 2026)