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$35,622
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,730
−HK$1,126/mo
Today · 4.125%
HK$37,856
baseline
▲ 0.50% · 4.625%
HK$40,159
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,712/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,629
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,692
−HK$1,078/mo
Today · 4.125%
HK$41,770
baseline
▲ 0.50% · 4.625%
HK$43,972
+HK$2,202/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,540/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,746
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,076
−HK$1,351/mo
Today · 4.125%
HK$45,427
baseline
▲ 0.50% · 4.625%
HK$48,191
+HK$2,764/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,854/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,555
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,830
−HK$1,294/mo
Today · 4.125%
HK$50,124
baseline
▲ 0.50% · 4.625%
HK$52,766
+HK$2,642/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,248/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,871
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,422
−HK$1,576/mo
Today · 4.125%
HK$52,998
baseline
▲ 0.50% · 4.625%
HK$56,223
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$105,996/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,481
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,968
−HK$1,510/mo
Today · 4.125%
HK$58,478
baseline
▲ 0.50% · 4.625%
HK$61,560
+HK$3,082/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$116,956/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,119
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,114
−HK$2,026/mo
Today · 4.125%
HK$68,140
baseline
▲ 0.50% · 4.625%
HK$72,286
+HK$4,146/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,280/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,332
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,245
−HK$1,941/mo
Today · 4.125%
HK$75,186
baseline
▲ 0.50% · 4.625%
HK$79,149
+HK$3,963/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,372/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,820 · Scale 2, in force from 26 Feb 2026)