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$35,661
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,770
−HK$1,127/mo
Today · 4.125%
HK$37,897
baseline
▲ 0.50% · 4.625%
HK$40,203
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,794/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,673
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,737
−HK$1,079/mo
Today · 4.125%
HK$41,816
baseline
▲ 0.50% · 4.625%
HK$44,020
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,632/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,793
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,124
−HK$1,353/mo
Today · 4.125%
HK$45,477
baseline
▲ 0.50% · 4.625%
HK$48,244
+HK$2,767/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$90,954/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,607
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,884
−HK$1,295/mo
Today · 4.125%
HK$50,179
baseline
▲ 0.50% · 4.625%
HK$52,824
+HK$2,645/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$100,358/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,925
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,478
−HK$1,578/mo
Today · 4.125%
HK$53,056
baseline
▲ 0.50% · 4.625%
HK$56,285
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,112/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,542
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,031
−HK$1,511/mo
Today · 4.125%
HK$58,542
baseline
▲ 0.50% · 4.625%
HK$61,628
+HK$3,086/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,084/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,190
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,186
−HK$2,029/mo
Today · 4.125%
HK$68,215
baseline
▲ 0.50% · 4.625%
HK$72,366
+HK$4,151/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,430/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,411
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,326
−HK$1,943/mo
Today · 4.125%
HK$75,269
baseline
▲ 0.50% · 4.625%
HK$79,236
+HK$3,967/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,538/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,464 · Scale 2, in force from 26 Feb 2026)