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$35,608
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,715
−HK$1,126/mo
Today · 4.125%
HK$37,841
baseline
▲ 0.50% · 4.625%
HK$40,143
+HK$2,302/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,682/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,586 · 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$585,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,729
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,058
−HK$1,351/mo
Today · 4.125%
HK$45,409
baseline
▲ 0.50% · 4.625%
HK$48,172
+HK$2,763/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,818/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,536
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,811
−HK$1,293/mo
Today · 4.125%
HK$50,104
baseline
▲ 0.50% · 4.625%
HK$52,745
+HK$2,641/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,208/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,851
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,401
−HK$1,576/mo
Today · 4.125%
HK$52,977
baseline
▲ 0.50% · 4.625%
HK$56,200
+HK$3,223/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,954/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,458
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,946
−HK$1,509/mo
Today · 4.125%
HK$58,455
baseline
▲ 0.50% · 4.625%
HK$61,536
+HK$3,081/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,910/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,094
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,087
−HK$2,026/mo
Today · 4.125%
HK$68,113
baseline
▲ 0.50% · 4.625%
HK$72,257
+HK$4,144/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,226/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,304
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,216
−HK$1,940/mo
Today · 4.125%
HK$75,156
baseline
▲ 0.50% · 4.625%
HK$79,117
+HK$3,961/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,312/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,586 · Scale 2, in force from 26 Feb 2026)