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$35,596
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,703
−HK$1,125/mo
Today · 4.125%
HK$37,828
baseline
▲ 0.50% · 4.625%
HK$40,130
+HK$2,302/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,656/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,600
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,662
−HK$1,078/mo
Today · 4.125%
HK$41,740
baseline
▲ 0.50% · 4.625%
HK$43,940
+HK$2,200/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,480/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,715
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,044
−HK$1,350/mo
Today · 4.125%
HK$45,394
baseline
▲ 0.50% · 4.625%
HK$48,156
+HK$2,762/mo
Deposit HK$6.24M · loan HK$9.37M · min. income ≈ HK$90,788/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,520
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,795
−HK$1,293/mo
Today · 4.125%
HK$50,088
baseline
▲ 0.50% · 4.625%
HK$52,728
+HK$2,640/mo
Deposit HK$6.24M · loan HK$9.37M · min. income ≈ HK$100,176/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,835
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,385
−HK$1,575/mo
Today · 4.125%
HK$52,960
baseline
▲ 0.50% · 4.625%
HK$56,182
+HK$3,222/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,920/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,440
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,927
−HK$1,509/mo
Today · 4.125%
HK$58,436
baseline
▲ 0.50% · 4.625%
HK$61,516
+HK$3,080/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,872/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,073
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,066
−HK$2,025/mo
Today · 4.125%
HK$68,091
baseline
▲ 0.50% · 4.625%
HK$72,234
+HK$4,143/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,182/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,281
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,192
−HK$1,940/mo
Today · 4.125%
HK$75,132
baseline
▲ 0.50% · 4.625%
HK$79,092
+HK$3,960/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,264/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,397 · Scale 2, in force from 26 Feb 2026)