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$35,673
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,782
−HK$1,128/mo
Today · 4.125%
HK$37,910
baseline
▲ 0.50% · 4.625%
HK$40,217
+HK$2,307/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,820/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,686
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,750
−HK$1,080/mo
Today · 4.125%
HK$41,830
baseline
▲ 0.50% · 4.625%
HK$44,035
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,660/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,807
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,139
−HK$1,353/mo
Today · 4.125%
HK$45,492
baseline
▲ 0.50% · 4.625%
HK$48,260
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$90,984/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,623
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,900
−HK$1,296/mo
Today · 4.125%
HK$50,196
baseline
▲ 0.50% · 4.625%
HK$52,842
+HK$2,646/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,392/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,942
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,495
−HK$1,579/mo
Today · 4.125%
HK$53,074
baseline
▲ 0.50% · 4.625%
HK$56,303
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,148/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,560
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,050
−HK$1,512/mo
Today · 4.125%
HK$58,562
baseline
▲ 0.50% · 4.625%
HK$61,649
+HK$3,087/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,124/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,211
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,208
−HK$2,030/mo
Today · 4.125%
HK$68,238
baseline
▲ 0.50% · 4.625%
HK$72,390
+HK$4,152/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,476/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,434
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,350
−HK$1,944/mo
Today · 4.125%
HK$75,294
baseline
▲ 0.50% · 4.625%
HK$79,262
+HK$3,968/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,588/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,658 · Scale 2, in force from 26 Feb 2026)