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$35,686
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,796
−HK$1,128/mo
Today · 4.125%
HK$37,924
baseline
▲ 0.50% · 4.625%
HK$40,231
+HK$2,307/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,848/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,700
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,765
−HK$1,080/mo
Today · 4.125%
HK$41,845
baseline
▲ 0.50% · 4.625%
HK$44,051
+HK$2,206/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,690/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,823
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,155
−HK$1,353/mo
Today · 4.125%
HK$45,508
baseline
▲ 0.50% · 4.625%
HK$48,277
+HK$2,769/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,016/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,640
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,918
−HK$1,296/mo
Today · 4.125%
HK$50,214
baseline
▲ 0.50% · 4.625%
HK$52,861
+HK$2,647/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,428/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,960
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,514
−HK$1,579/mo
Today · 4.125%
HK$53,093
baseline
▲ 0.50% · 4.625%
HK$56,324
+HK$3,231/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,186/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,580
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,071
−HK$1,512/mo
Today · 4.125%
HK$58,583
baseline
▲ 0.50% · 4.625%
HK$61,671
+HK$3,088/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,166/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,234
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,233
−HK$2,030/mo
Today · 4.125%
HK$68,263
baseline
▲ 0.50% · 4.625%
HK$72,416
+HK$4,153/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,526/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,460
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,377
−HK$1,944/mo
Today · 4.125%
HK$75,321
baseline
▲ 0.50% · 4.625%
HK$79,291
+HK$3,970/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,642/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,872 · Scale 2, in force from 26 Feb 2026)