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$35,646
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,755
−HK$1,126/mo
Today · 4.125%
HK$37,881
baseline
▲ 0.50% · 4.625%
HK$40,186
+HK$2,305/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,762/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,656
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,719
−HK$1,079/mo
Today · 4.125%
HK$41,798
baseline
▲ 0.50% · 4.625%
HK$44,002
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,596/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,775
−HK$2,683/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$586,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,587
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,863
−HK$1,295/mo
Today · 4.125%
HK$50,158
baseline
▲ 0.50% · 4.625%
HK$52,802
+HK$2,644/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,316/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,904
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,457
−HK$1,577/mo
Today · 4.125%
HK$53,034
baseline
▲ 0.50% · 4.625%
HK$56,261
+HK$3,227/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,068/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,518
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,007
−HK$1,511/mo
Today · 4.125%
HK$58,518
baseline
▲ 0.50% · 4.625%
HK$61,602
+HK$3,084/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,036/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,163
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,159
−HK$2,027/mo
Today · 4.125%
HK$68,186
baseline
▲ 0.50% · 4.625%
HK$72,335
+HK$4,149/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,372/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,381
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,295
−HK$1,942/mo
Today · 4.125%
HK$75,237
baseline
▲ 0.50% · 4.625%
HK$79,203
+HK$3,966/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,474/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,218 · Scale 2, in force from 26 Feb 2026)