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$35,607
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,714
−HK$1,126/mo
Today · 4.125%
HK$37,840
baseline
▲ 0.50% · 4.625%
HK$40,142
+HK$2,302/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,680/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,612
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,675
−HK$1,077/mo
Today · 4.125%
HK$41,752
baseline
▲ 0.50% · 4.625%
HK$43,953
+HK$2,201/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,504/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,728
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,057
−HK$1,351/mo
Today · 4.125%
HK$45,408
baseline
▲ 0.50% · 4.625%
HK$48,170
+HK$2,762/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,816/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,535
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,809
−HK$1,294/mo
Today · 4.125%
HK$50,103
baseline
▲ 0.50% · 4.625%
HK$52,744
+HK$2,641/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,206/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,849
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,400
−HK$1,575/mo
Today · 4.125%
HK$52,975
baseline
▲ 0.50% · 4.625%
HK$56,199
+HK$3,224/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,950/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,457
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,944
−HK$1,509/mo
Today · 4.125%
HK$58,453
baseline
▲ 0.50% · 4.625%
HK$61,534
+HK$3,081/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,906/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,092
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,086
−HK$2,025/mo
Today · 4.125%
HK$68,111
baseline
▲ 0.50% · 4.625%
HK$72,256
+HK$4,145/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,222/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,302
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,214
−HK$1,940/mo
Today · 4.125%
HK$75,154
baseline
▲ 0.50% · 4.625%
HK$79,116
+HK$3,962/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,308/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,572 · Scale 2, in force from 26 Feb 2026)