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$35,603
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,710
−HK$1,126/mo
Today · 4.125%
HK$37,836
baseline
▲ 0.50% · 4.625%
HK$40,138
+HK$2,302/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$585,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,608
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,670
−HK$1,078/mo
Today · 4.125%
HK$41,748
baseline
▲ 0.50% · 4.625%
HK$43,948
+HK$2,200/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,496/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,724
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,053
−HK$1,350/mo
Today · 4.125%
HK$45,403
baseline
▲ 0.50% · 4.625%
HK$48,165
+HK$2,762/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,806/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,530
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,804
−HK$1,293/mo
Today · 4.125%
HK$50,097
baseline
▲ 0.50% · 4.625%
HK$52,738
+HK$2,641/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,194/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,844
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,395
−HK$1,575/mo
Today · 4.125%
HK$52,970
baseline
▲ 0.50% · 4.625%
HK$56,193
+HK$3,223/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,940/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,451
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,938
−HK$1,509/mo
Today · 4.125%
HK$58,447
baseline
▲ 0.50% · 4.625%
HK$61,528
+HK$3,081/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,894/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,085
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,079
−HK$2,025/mo
Today · 4.125%
HK$68,104
baseline
▲ 0.50% · 4.625%
HK$72,248
+HK$4,144/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,208/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,294
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,207
−HK$1,939/mo
Today · 4.125%
HK$75,146
baseline
▲ 0.50% · 4.625%
HK$79,107
+HK$3,961/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,292/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,511 · Scale 2, in force from 26 Feb 2026)