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$35,645
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,754
−HK$1,127/mo
Today · 4.125%
HK$37,881
baseline
▲ 0.50% · 4.625%
HK$40,186
+HK$2,305/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,762/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,655
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,719
−HK$1,079/mo
Today · 4.125%
HK$41,798
baseline
▲ 0.50% · 4.625%
HK$44,001
+HK$2,203/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,596/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,775
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,105
−HK$1,352/mo
Today · 4.125%
HK$45,457
baseline
▲ 0.50% · 4.625%
HK$48,223
+HK$2,766/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,914/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,586
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,863
−HK$1,294/mo
Today · 4.125%
HK$50,157
baseline
▲ 0.50% · 4.625%
HK$52,801
+HK$2,644/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,314/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,904
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,456
−HK$1,577/mo
Today · 4.125%
HK$53,033
baseline
▲ 0.50% · 4.625%
HK$56,260
+HK$3,227/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,066/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,517
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,006
−HK$1,511/mo
Today · 4.125%
HK$58,517
baseline
▲ 0.50% · 4.625%
HK$61,601
+HK$3,084/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,034/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,162
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,158
−HK$2,027/mo
Today · 4.125%
HK$68,185
baseline
▲ 0.50% · 4.625%
HK$72,334
+HK$4,149/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,370/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,379
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,294
−HK$1,942/mo
Today · 4.125%
HK$75,236
baseline
▲ 0.50% · 4.625%
HK$79,202
+HK$3,966/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,472/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,209 · Scale 2, in force from 26 Feb 2026)