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$35,675
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,785
−HK$1,128/mo
Today · 4.125%
HK$37,913
baseline
▲ 0.50% · 4.625%
HK$40,220
+HK$2,307/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,826/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,689
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,753
−HK$1,080/mo
Today · 4.125%
HK$41,833
baseline
▲ 0.50% · 4.625%
HK$44,038
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,666/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,811
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,142
−HK$1,353/mo
Today · 4.125%
HK$45,495
baseline
▲ 0.50% · 4.625%
HK$48,263
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$90,990/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,626
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,904
−HK$1,295/mo
Today · 4.125%
HK$50,199
baseline
▲ 0.50% · 4.625%
HK$52,846
+HK$2,647/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,398/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,946
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,499
−HK$1,579/mo
Today · 4.125%
HK$53,078
baseline
▲ 0.50% · 4.625%
HK$56,307
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,156/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,564
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,054
−HK$1,512/mo
Today · 4.125%
HK$58,566
baseline
▲ 0.50% · 4.625%
HK$61,653
+HK$3,087/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,132/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,216
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,213
−HK$2,030/mo
Today · 4.125%
HK$68,243
baseline
▲ 0.50% · 4.625%
HK$72,395
+HK$4,152/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,486/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,440
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,356
−HK$1,943/mo
Today · 4.125%
HK$75,299
baseline
▲ 0.50% · 4.625%
HK$79,268
+HK$3,969/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,598/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,703 · Scale 2, in force from 26 Feb 2026)