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$35,664
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,774
−HK$1,127/mo
Today · 4.125%
HK$37,901
baseline
▲ 0.50% · 4.625%
HK$40,207
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,802/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,676
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,740
−HK$1,080/mo
Today · 4.125%
HK$41,820
baseline
▲ 0.50% · 4.625%
HK$44,024
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,640/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,797
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,128
−HK$1,353/mo
Today · 4.125%
HK$45,481
baseline
▲ 0.50% · 4.625%
HK$48,248
+HK$2,767/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$90,962/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,611
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,888
−HK$1,296/mo
Today · 4.125%
HK$50,184
baseline
▲ 0.50% · 4.625%
HK$52,829
+HK$2,645/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$100,368/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,930
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,483
−HK$1,578/mo
Today · 4.125%
HK$53,061
baseline
▲ 0.50% · 4.625%
HK$56,290
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,122/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,547
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,036
−HK$1,512/mo
Today · 4.125%
HK$58,548
baseline
▲ 0.50% · 4.625%
HK$61,634
+HK$3,086/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,096/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,196
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,193
−HK$2,028/mo
Today · 4.125%
HK$68,221
baseline
▲ 0.50% · 4.625%
HK$72,372
+HK$4,151/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,442/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,417
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,332
−HK$1,944/mo
Today · 4.125%
HK$75,276
baseline
▲ 0.50% · 4.625%
HK$79,243
+HK$3,967/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,552/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,518 · Scale 2, in force from 26 Feb 2026)