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$35,668
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,777
−HK$1,127/mo
Today · 4.125%
HK$37,904
baseline
▲ 0.50% · 4.625%
HK$40,211
+HK$2,307/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,808/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,680
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,744
−HK$1,080/mo
Today · 4.125%
HK$41,824
baseline
▲ 0.50% · 4.625%
HK$44,028
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,648/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,801
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,133
−HK$1,352/mo
Today · 4.125%
HK$45,485
baseline
▲ 0.50% · 4.625%
HK$48,253
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$90,970/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,616
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,893
−HK$1,296/mo
Today · 4.125%
HK$50,189
baseline
▲ 0.50% · 4.625%
HK$52,834
+HK$2,645/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,378/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,935
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,488
−HK$1,578/mo
Today · 4.125%
HK$53,066
baseline
▲ 0.50% · 4.625%
HK$56,295
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,132/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,552
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,042
−HK$1,511/mo
Today · 4.125%
HK$58,553
baseline
▲ 0.50% · 4.625%
HK$61,640
+HK$3,087/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,106/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,202
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,199
−HK$2,029/mo
Today · 4.125%
HK$68,228
baseline
▲ 0.50% · 4.625%
HK$72,379
+HK$4,151/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,456/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,424
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,340
−HK$1,943/mo
Today · 4.125%
HK$75,283
baseline
▲ 0.50% · 4.625%
HK$79,251
+HK$3,968/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,566/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,575 · Scale 2, in force from 26 Feb 2026)