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$35,648
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,757
−HK$1,126/mo
Today · 4.125%
HK$37,883
baseline
▲ 0.50% · 4.625%
HK$40,189
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,766/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,658
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,722
−HK$1,079/mo
Today · 4.125%
HK$41,801
baseline
▲ 0.50% · 4.625%
HK$44,004
+HK$2,203/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,602/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,778
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,108
−HK$1,352/mo
Today · 4.125%
HK$45,460
baseline
▲ 0.50% · 4.625%
HK$48,226
+HK$2,766/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,920/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,590
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,866
−HK$1,295/mo
Today · 4.125%
HK$50,161
baseline
▲ 0.50% · 4.625%
HK$52,805
+HK$2,644/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,322/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,907
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,460
−HK$1,577/mo
Today · 4.125%
HK$53,037
baseline
▲ 0.50% · 4.625%
HK$56,264
+HK$3,227/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,074/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,521
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,010
−HK$1,511/mo
Today · 4.125%
HK$58,521
baseline
▲ 0.50% · 4.625%
HK$61,606
+HK$3,085/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,042/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,166
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,162
−HK$2,028/mo
Today · 4.125%
HK$68,190
baseline
▲ 0.50% · 4.625%
HK$72,339
+HK$4,149/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,380/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,385
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,299
−HK$1,942/mo
Today · 4.125%
HK$75,241
baseline
▲ 0.50% · 4.625%
HK$79,207
+HK$3,966/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,482/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,251 · Scale 2, in force from 26 Feb 2026)