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$35,658
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,768
−HK$1,127/mo
Today · 4.125%
HK$37,895
baseline
▲ 0.50% · 4.625%
HK$40,200
+HK$2,305/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,790/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,670
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,734
−HK$1,079/mo
Today · 4.125%
HK$41,813
baseline
▲ 0.50% · 4.625%
HK$44,017
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,626/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,790
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,121
−HK$1,352/mo
Today · 4.125%
HK$45,473
baseline
▲ 0.50% · 4.625%
HK$48,240
+HK$2,767/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$90,946/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,604
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,880
−HK$1,296/mo
Today · 4.125%
HK$50,176
baseline
▲ 0.50% · 4.625%
HK$52,820
+HK$2,644/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$100,352/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,922
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,475
−HK$1,577/mo
Today · 4.125%
HK$53,052
baseline
▲ 0.50% · 4.625%
HK$56,281
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,104/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,538
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,027
−HK$1,511/mo
Today · 4.125%
HK$58,538
baseline
▲ 0.50% · 4.625%
HK$61,624
+HK$3,086/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,076/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,185
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,182
−HK$2,028/mo
Today · 4.125%
HK$68,210
baseline
▲ 0.50% · 4.625%
HK$72,361
+HK$4,151/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,420/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,405
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,321
−HK$1,942/mo
Today · 4.125%
HK$75,263
baseline
▲ 0.50% · 4.625%
HK$79,231
+HK$3,968/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,526/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,423 · Scale 2, in force from 26 Feb 2026)