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$35,671
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,780
−HK$1,127/mo
Today · 4.125%
HK$37,907
baseline
▲ 0.50% · 4.625%
HK$40,214
+HK$2,307/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,814/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,683
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,747
−HK$1,080/mo
Today · 4.125%
HK$41,827
baseline
▲ 0.50% · 4.625%
HK$44,032
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,654/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,805
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,136
−HK$1,353/mo
Today · 4.125%
HK$45,489
baseline
▲ 0.50% · 4.625%
HK$48,257
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$90,978/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,620
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,897
−HK$1,296/mo
Today · 4.125%
HK$50,193
baseline
▲ 0.50% · 4.625%
HK$52,838
+HK$2,645/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,386/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,939
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,492
−HK$1,578/mo
Today · 4.125%
HK$53,070
baseline
▲ 0.50% · 4.625%
HK$56,300
+HK$3,230/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,140/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,556
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,046
−HK$1,512/mo
Today · 4.125%
HK$58,558
baseline
▲ 0.50% · 4.625%
HK$61,645
+HK$3,087/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,116/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,207
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,204
−HK$2,029/mo
Today · 4.125%
HK$68,233
baseline
▲ 0.50% · 4.625%
HK$72,385
+HK$4,152/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,466/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,430
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,345
−HK$1,944/mo
Today · 4.125%
HK$75,289
baseline
▲ 0.50% · 4.625%
HK$79,257
+HK$3,968/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,578/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,621 · Scale 2, in force from 26 Feb 2026)