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$35,621
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,729
−HK$1,126/mo
Today · 4.125%
HK$37,855
baseline
▲ 0.50% · 4.625%
HK$40,158
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,710/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,628
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,691
−HK$1,078/mo
Today · 4.125%
HK$41,769
baseline
▲ 0.50% · 4.625%
HK$43,970
+HK$2,201/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,538/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,745
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,075
−HK$1,350/mo
Today · 4.125%
HK$45,425
baseline
▲ 0.50% · 4.625%
HK$48,189
+HK$2,764/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,850/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,553
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,829
−HK$1,293/mo
Today · 4.125%
HK$50,122
baseline
▲ 0.50% · 4.625%
HK$52,765
+HK$2,643/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,244/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,869
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,420
−HK$1,576/mo
Today · 4.125%
HK$52,996
baseline
▲ 0.50% · 4.625%
HK$56,221
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$105,992/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,479
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,967
−HK$1,509/mo
Today · 4.125%
HK$58,476
baseline
▲ 0.50% · 4.625%
HK$61,559
+HK$3,083/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$116,952/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,117
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,112
−HK$2,026/mo
Today · 4.125%
HK$68,138
baseline
▲ 0.50% · 4.625%
HK$72,284
+HK$4,146/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,276/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,330
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,243
−HK$1,941/mo
Today · 4.125%
HK$75,184
baseline
▲ 0.50% · 4.625%
HK$79,147
+HK$3,963/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,368/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,803 · Scale 2, in force from 26 Feb 2026)