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$35,660
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,770
−HK$1,127/mo
Today · 4.125%
HK$37,897
baseline
▲ 0.50% · 4.625%
HK$40,203
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,794/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,672
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,736
−HK$1,079/mo
Today · 4.125%
HK$41,815
baseline
▲ 0.50% · 4.625%
HK$44,019
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,630/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,792
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,124
−HK$1,352/mo
Today · 4.125%
HK$45,476
baseline
▲ 0.50% · 4.625%
HK$48,243
+HK$2,767/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$90,952/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,606
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,883
−HK$1,295/mo
Today · 4.125%
HK$50,178
baseline
▲ 0.50% · 4.625%
HK$52,823
+HK$2,645/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$100,356/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,925
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,477
−HK$1,578/mo
Today · 4.125%
HK$53,055
baseline
▲ 0.50% · 4.625%
HK$56,284
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,110/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,541
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,030
−HK$1,511/mo
Today · 4.125%
HK$58,541
baseline
▲ 0.50% · 4.625%
HK$61,627
+HK$3,086/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,082/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,189
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,185
−HK$2,029/mo
Today · 4.125%
HK$68,214
baseline
▲ 0.50% · 4.625%
HK$72,365
+HK$4,151/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,428/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,409
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,324
−HK$1,943/mo
Today · 4.125%
HK$75,267
baseline
▲ 0.50% · 4.625%
HK$79,235
+HK$3,968/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,534/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,454 · Scale 2, in force from 26 Feb 2026)