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$35,666
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,776
−HK$1,127/mo
Today · 4.125%
HK$37,903
baseline
▲ 0.50% · 4.625%
HK$40,209
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,806/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,679
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,743
−HK$1,079/mo
Today · 4.125%
HK$41,822
baseline
▲ 0.50% · 4.625%
HK$44,027
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,644/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,800
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,131
−HK$1,353/mo
Today · 4.125%
HK$45,484
baseline
▲ 0.50% · 4.625%
HK$48,251
+HK$2,767/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$90,968/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,614
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,891
−HK$1,296/mo
Today · 4.125%
HK$50,187
baseline
▲ 0.50% · 4.625%
HK$52,832
+HK$2,645/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$100,374/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,933
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,486
−HK$1,578/mo
Today · 4.125%
HK$53,064
baseline
▲ 0.50% · 4.625%
HK$56,293
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,128/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,550
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,040
−HK$1,511/mo
Today · 4.125%
HK$58,551
baseline
▲ 0.50% · 4.625%
HK$61,638
+HK$3,087/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,102/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,200
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,197
−HK$2,029/mo
Today · 4.125%
HK$68,226
baseline
▲ 0.50% · 4.625%
HK$72,377
+HK$4,151/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,452/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,421
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,337
−HK$1,943/mo
Today · 4.125%
HK$75,280
baseline
▲ 0.50% · 4.625%
HK$79,248
+HK$3,968/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,560/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,554 · Scale 2, in force from 26 Feb 2026)