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$36,715
−HK$1,125/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$585,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,613
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,675
−HK$1,078/mo
Today · 4.125%
HK$41,753
baseline
▲ 0.50% · 4.625%
HK$43,954
+HK$2,201/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,506/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,729
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,058
−HK$1,350/mo
Today · 4.125%
HK$45,408
baseline
▲ 0.50% · 4.625%
HK$48,171
+HK$2,763/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$585,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,535
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,810
−HK$1,293/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$585,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,850
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,401
−HK$1,575/mo
Today · 4.125%
HK$52,976
baseline
▲ 0.50% · 4.625%
HK$56,199
+HK$3,223/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,952/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,458
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,945
−HK$1,509/mo
Today · 4.125%
HK$58,454
baseline
▲ 0.50% · 4.625%
HK$61,535
+HK$3,081/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,908/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,093
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,086
−HK$2,026/mo
Today · 4.125%
HK$68,112
baseline
▲ 0.50% · 4.625%
HK$72,256
+HK$4,144/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,224/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,303
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,215
−HK$1,940/mo
Today · 4.125%
HK$75,155
baseline
▲ 0.50% · 4.625%
HK$79,116
+HK$3,961/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,310/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,578 · Scale 2, in force from 26 Feb 2026)