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$35,674
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,783
−HK$1,128/mo
Today · 4.125%
HK$37,911
baseline
▲ 0.50% · 4.625%
HK$40,217
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,822/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,687
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,751
−HK$1,080/mo
Today · 4.125%
HK$41,831
baseline
▲ 0.50% · 4.625%
HK$44,036
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,662/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,808
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,140
−HK$1,353/mo
Today · 4.125%
HK$45,493
baseline
▲ 0.50% · 4.625%
HK$48,261
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$90,986/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,624
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,901
−HK$1,296/mo
Today · 4.125%
HK$50,197
baseline
▲ 0.50% · 4.625%
HK$52,843
+HK$2,646/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,394/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,943
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,497
−HK$1,578/mo
Today · 4.125%
HK$53,075
baseline
▲ 0.50% · 4.625%
HK$56,304
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,150/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,561
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,051
−HK$1,512/mo
Today · 4.125%
HK$58,563
baseline
▲ 0.50% · 4.625%
HK$61,650
+HK$3,087/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,126/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,213
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,210
−HK$2,029/mo
Today · 4.125%
HK$68,239
baseline
▲ 0.50% · 4.625%
HK$72,391
+HK$4,152/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,478/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,436
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,352
−HK$1,943/mo
Today · 4.125%
HK$75,295
baseline
▲ 0.50% · 4.625%
HK$79,264
+HK$3,969/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,590/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,672 · Scale 2, in force from 26 Feb 2026)