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$35,605
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,712
−HK$1,125/mo
Today · 4.125%
HK$37,837
baseline
▲ 0.50% · 4.625%
HK$40,140
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,674/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,610
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,672
−HK$1,078/mo
Today · 4.125%
HK$41,750
baseline
▲ 0.50% · 4.625%
HK$43,950
+HK$2,200/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,500/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,726
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,055
−HK$1,350/mo
Today · 4.125%
HK$45,405
baseline
▲ 0.50% · 4.625%
HK$48,168
+HK$2,763/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,810/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,532
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,807
−HK$1,293/mo
Today · 4.125%
HK$50,100
baseline
▲ 0.50% · 4.625%
HK$52,741
+HK$2,641/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,200/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,846
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,397
−HK$1,575/mo
Today · 4.125%
HK$52,972
baseline
▲ 0.50% · 4.625%
HK$56,196
+HK$3,224/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,944/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,454
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,941
−HK$1,509/mo
Today · 4.125%
HK$58,450
baseline
▲ 0.50% · 4.625%
HK$61,531
+HK$3,081/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,900/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,088
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,082
−HK$2,025/mo
Today · 4.125%
HK$68,107
baseline
▲ 0.50% · 4.625%
HK$72,251
+HK$4,144/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,214/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,298
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,210
−HK$1,940/mo
Today · 4.125%
HK$75,150
baseline
▲ 0.50% · 4.625%
HK$79,111
+HK$3,961/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,300/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,537 · Scale 2, in force from 26 Feb 2026)