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$35,654
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,763
−HK$1,127/mo
Today · 4.125%
HK$37,890
baseline
▲ 0.50% · 4.625%
HK$40,196
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,780/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,665
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,729
−HK$1,079/mo
Today · 4.125%
HK$41,808
baseline
▲ 0.50% · 4.625%
HK$44,012
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,616/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,785
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,116
−HK$1,352/mo
Today · 4.125%
HK$45,468
baseline
▲ 0.50% · 4.625%
HK$48,235
+HK$2,767/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,936/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,598
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,875
−HK$1,295/mo
Today · 4.125%
HK$50,170
baseline
▲ 0.50% · 4.625%
HK$52,814
+HK$2,644/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,340/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,916
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,469
−HK$1,577/mo
Today · 4.125%
HK$53,046
baseline
▲ 0.50% · 4.625%
HK$56,274
+HK$3,228/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,092/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,531
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,020
−HK$1,511/mo
Today · 4.125%
HK$58,531
baseline
▲ 0.50% · 4.625%
HK$61,616
+HK$3,085/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,062/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,178
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,174
−HK$2,028/mo
Today · 4.125%
HK$68,202
baseline
▲ 0.50% · 4.625%
HK$72,352
+HK$4,150/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,404/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,397
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,312
−HK$1,942/mo
Today · 4.125%
HK$75,254
baseline
▲ 0.50% · 4.625%
HK$79,221
+HK$3,967/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,508/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,354 · Scale 2, in force from 26 Feb 2026)