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$35,647
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,755
−HK$1,127/mo
Today · 4.125%
HK$37,882
baseline
▲ 0.50% · 4.625%
HK$40,187
+HK$2,305/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,764/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,656
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,720
−HK$1,079/mo
Today · 4.125%
HK$41,799
baseline
▲ 0.50% · 4.625%
HK$44,002
+HK$2,203/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,598/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,776
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,106
−HK$1,352/mo
Today · 4.125%
HK$45,458
baseline
▲ 0.50% · 4.625%
HK$48,224
+HK$2,766/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,916/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,588
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,864
−HK$1,295/mo
Today · 4.125%
HK$50,159
baseline
▲ 0.50% · 4.625%
HK$52,803
+HK$2,644/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,318/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,905
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,458
−HK$1,577/mo
Today · 4.125%
HK$53,035
baseline
▲ 0.50% · 4.625%
HK$56,262
+HK$3,227/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,070/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,519
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,008
−HK$1,511/mo
Today · 4.125%
HK$58,519
baseline
▲ 0.50% · 4.625%
HK$61,603
+HK$3,084/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,038/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,164
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,160
−HK$2,027/mo
Today · 4.125%
HK$68,187
baseline
▲ 0.50% · 4.625%
HK$72,336
+HK$4,149/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,374/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,382
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,296
−HK$1,942/mo
Today · 4.125%
HK$75,238
baseline
▲ 0.50% · 4.625%
HK$79,204
+HK$3,966/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,476/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,227 · Scale 2, in force from 26 Feb 2026)