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$35,619
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,727
−HK$1,126/mo
Today · 4.125%
HK$37,853
baseline
▲ 0.50% · 4.625%
HK$40,156
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,706/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,626
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,689
−HK$1,078/mo
Today · 4.125%
HK$41,767
baseline
▲ 0.50% · 4.625%
HK$43,969
+HK$2,202/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,534/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,743
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,073
−HK$1,351/mo
Today · 4.125%
HK$45,424
baseline
▲ 0.50% · 4.625%
HK$48,187
+HK$2,763/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,848/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,551
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,827
−HK$1,293/mo
Today · 4.125%
HK$50,120
baseline
▲ 0.50% · 4.625%
HK$52,762
+HK$2,642/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,240/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,867
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,418
−HK$1,576/mo
Today · 4.125%
HK$52,994
baseline
▲ 0.50% · 4.625%
HK$56,219
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$105,988/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,477
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,964
−HK$1,510/mo
Today · 4.125%
HK$58,474
baseline
▲ 0.50% · 4.625%
HK$61,556
+HK$3,082/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$116,948/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,115
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,109
−HK$2,026/mo
Today · 4.125%
HK$68,135
baseline
▲ 0.50% · 4.625%
HK$72,281
+HK$4,146/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,270/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,327
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,240
−HK$1,941/mo
Today · 4.125%
HK$75,181
baseline
▲ 0.50% · 4.625%
HK$79,143
+HK$3,962/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,362/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,778 · Scale 2, in force from 26 Feb 2026)