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$35,642
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,751
−HK$1,126/mo
Today · 4.125%
HK$37,877
baseline
▲ 0.50% · 4.625%
HK$40,182
+HK$2,305/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,754/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,651
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,715
−HK$1,079/mo
Today · 4.125%
HK$41,794
baseline
▲ 0.50% · 4.625%
HK$43,997
+HK$2,203/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,588/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,770
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,101
−HK$1,352/mo
Today · 4.125%
HK$45,453
baseline
▲ 0.50% · 4.625%
HK$48,218
+HK$2,765/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,906/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,582
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,858
−HK$1,294/mo
Today · 4.125%
HK$50,152
baseline
▲ 0.50% · 4.625%
HK$52,796
+HK$2,644/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,304/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,899
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,451
−HK$1,577/mo
Today · 4.125%
HK$53,028
baseline
▲ 0.50% · 4.625%
HK$56,255
+HK$3,227/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,056/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,512
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,001
−HK$1,510/mo
Today · 4.125%
HK$58,511
baseline
▲ 0.50% · 4.625%
HK$61,595
+HK$3,084/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,022/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,156
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,151
−HK$2,028/mo
Today · 4.125%
HK$68,179
baseline
▲ 0.50% · 4.625%
HK$72,327
+HK$4,148/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,358/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,372
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,287
−HK$1,942/mo
Today · 4.125%
HK$75,229
baseline
▲ 0.50% · 4.625%
HK$79,194
+HK$3,965/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,458/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,152 · Scale 2, in force from 26 Feb 2026)