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$35,604
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,711
−HK$1,125/mo
Today · 4.125%
HK$37,836
baseline
▲ 0.50% · 4.625%
HK$40,139
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,672/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,609
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,671
−HK$1,078/mo
Today · 4.125%
HK$41,749
baseline
▲ 0.50% · 4.625%
HK$43,949
+HK$2,200/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,498/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,724
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,053
−HK$1,351/mo
Today · 4.125%
HK$45,404
baseline
▲ 0.50% · 4.625%
HK$48,166
+HK$2,762/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,808/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,530
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,805
−HK$1,293/mo
Today · 4.125%
HK$50,098
baseline
▲ 0.50% · 4.625%
HK$52,739
+HK$2,641/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,196/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,845
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,396
−HK$1,575/mo
Today · 4.125%
HK$52,971
baseline
▲ 0.50% · 4.625%
HK$56,194
+HK$3,223/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,942/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,452
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,939
−HK$1,509/mo
Today · 4.125%
HK$58,448
baseline
▲ 0.50% · 4.625%
HK$61,529
+HK$3,081/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,896/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,087
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,080
−HK$2,025/mo
Today · 4.125%
HK$68,105
baseline
▲ 0.50% · 4.625%
HK$72,249
+HK$4,144/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,210/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,296
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,208
−HK$1,940/mo
Today · 4.125%
HK$75,148
baseline
▲ 0.50% · 4.625%
HK$79,109
+HK$3,961/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,296/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,521 · Scale 2, in force from 26 Feb 2026)