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$35,633
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,741
−HK$1,126/mo
Today · 4.125%
HK$37,867
baseline
▲ 0.50% · 4.625%
HK$40,171
+HK$2,304/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,734/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,641
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,704
−HK$1,078/mo
Today · 4.125%
HK$41,782
baseline
▲ 0.50% · 4.625%
HK$43,985
+HK$2,203/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,564/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,759
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,089
−HK$1,351/mo
Today · 4.125%
HK$45,440
baseline
▲ 0.50% · 4.625%
HK$48,205
+HK$2,765/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,880/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,569
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,845
−HK$1,294/mo
Today · 4.125%
HK$50,139
baseline
▲ 0.50% · 4.625%
HK$52,782
+HK$2,643/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,278/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,886
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,437
−HK$1,577/mo
Today · 4.125%
HK$53,014
baseline
▲ 0.50% · 4.625%
HK$56,240
+HK$3,226/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,028/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,497
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,986
−HK$1,509/mo
Today · 4.125%
HK$58,495
baseline
▲ 0.50% · 4.625%
HK$61,579
+HK$3,084/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$116,990/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,139
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,134
−HK$2,027/mo
Today · 4.125%
HK$68,161
baseline
▲ 0.50% · 4.625%
HK$72,308
+HK$4,147/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,322/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,353
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,267
−HK$1,941/mo
Today · 4.125%
HK$75,208
baseline
▲ 0.50% · 4.625%
HK$79,173
+HK$3,965/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,416/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,995 · Scale 2, in force from 26 Feb 2026)