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$35,593
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,700
−HK$1,125/mo
Today · 4.125%
HK$37,825
baseline
▲ 0.50% · 4.625%
HK$40,126
+HK$2,301/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,650/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,597
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,659
−HK$1,077/mo
Today · 4.125%
HK$41,736
baseline
▲ 0.50% · 4.625%
HK$43,936
+HK$2,200/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,472/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,711
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,040
−HK$1,350/mo
Today · 4.125%
HK$45,390
baseline
▲ 0.50% · 4.625%
HK$48,152
+HK$2,762/mo
Deposit HK$6.24M · loan HK$9.37M · min. income ≈ HK$90,780/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,516
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,790
−HK$1,293/mo
Today · 4.125%
HK$50,083
baseline
▲ 0.50% · 4.625%
HK$52,723
+HK$2,640/mo
Deposit HK$6.24M · loan HK$9.37M · min. income ≈ HK$100,166/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,830
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,380
−HK$1,575/mo
Today · 4.125%
HK$52,955
baseline
▲ 0.50% · 4.625%
HK$56,177
+HK$3,222/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,910/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,435
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,922
−HK$1,508/mo
Today · 4.125%
HK$58,430
baseline
▲ 0.50% · 4.625%
HK$61,510
+HK$3,080/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,860/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,067
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,060
−HK$2,025/mo
Today · 4.125%
HK$68,085
baseline
▲ 0.50% · 4.625%
HK$72,227
+HK$4,142/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,170/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,274
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,186
−HK$1,939/mo
Today · 4.125%
HK$75,125
baseline
▲ 0.50% · 4.625%
HK$79,085
+HK$3,960/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,250/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,343 · Scale 2, in force from 26 Feb 2026)