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$35,684
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,794
−HK$1,127/mo
Today · 4.125%
HK$37,921
baseline
▲ 0.50% · 4.625%
HK$40,229
+HK$2,308/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,842/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,698
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,762
−HK$1,080/mo
Today · 4.125%
HK$41,842
baseline
▲ 0.50% · 4.625%
HK$44,048
+HK$2,206/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,684/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,820
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,152
−HK$1,354/mo
Today · 4.125%
HK$45,506
baseline
▲ 0.50% · 4.625%
HK$48,274
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,012/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,637
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,915
−HK$1,296/mo
Today · 4.125%
HK$50,211
baseline
▲ 0.50% · 4.625%
HK$52,858
+HK$2,647/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,422/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,957
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,511
−HK$1,579/mo
Today · 4.125%
HK$53,090
baseline
▲ 0.50% · 4.625%
HK$56,320
+HK$3,230/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,180/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,577
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,067
−HK$1,512/mo
Today · 4.125%
HK$58,579
baseline
▲ 0.50% · 4.625%
HK$61,667
+HK$3,088/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,158/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,231
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,228
−HK$2,030/mo
Today · 4.125%
HK$68,258
baseline
▲ 0.50% · 4.625%
HK$72,412
+HK$4,154/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,516/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,456
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,372
−HK$1,944/mo
Today · 4.125%
HK$75,316
baseline
▲ 0.50% · 4.625%
HK$79,286
+HK$3,970/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,632/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,836 · Scale 2, in force from 26 Feb 2026)