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$35,630
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,738
−HK$1,126/mo
Today · 4.125%
HK$37,864
baseline
▲ 0.50% · 4.625%
HK$40,168
+HK$2,304/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,728/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,638
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,701
−HK$1,078/mo
Today · 4.125%
HK$41,779
baseline
▲ 0.50% · 4.625%
HK$43,982
+HK$2,203/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,558/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,756
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,086
−HK$1,351/mo
Today · 4.125%
HK$45,437
baseline
▲ 0.50% · 4.625%
HK$48,202
+HK$2,765/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,874/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,566
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,841
−HK$1,294/mo
Today · 4.125%
HK$50,135
baseline
▲ 0.50% · 4.625%
HK$52,778
+HK$2,643/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,270/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,882
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,434
−HK$1,576/mo
Today · 4.125%
HK$53,010
baseline
▲ 0.50% · 4.625%
HK$56,235
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,020/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,493
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,981
−HK$1,510/mo
Today · 4.125%
HK$58,491
baseline
▲ 0.50% · 4.625%
HK$61,574
+HK$3,083/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$116,982/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,134
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,129
−HK$2,027/mo
Today · 4.125%
HK$68,156
baseline
▲ 0.50% · 4.625%
HK$72,303
+HK$4,147/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,312/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,348
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,262
−HK$1,941/mo
Today · 4.125%
HK$75,203
baseline
▲ 0.50% · 4.625%
HK$79,167
+HK$3,964/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,406/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,953 · Scale 2, in force from 26 Feb 2026)