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$35,632
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,740
−HK$1,126/mo
Today · 4.125%
HK$37,866
baseline
▲ 0.50% · 4.625%
HK$40,170
+HK$2,304/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,732/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,640
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,703
−HK$1,079/mo
Today · 4.125%
HK$41,782
baseline
▲ 0.50% · 4.625%
HK$43,984
+HK$2,202/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,564/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,758
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,088
−HK$1,352/mo
Today · 4.125%
HK$45,440
baseline
▲ 0.50% · 4.625%
HK$48,205
+HK$2,765/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,880/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,568
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,844
−HK$1,294/mo
Today · 4.125%
HK$50,138
baseline
▲ 0.50% · 4.625%
HK$52,781
+HK$2,643/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,276/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,885
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,436
−HK$1,577/mo
Today · 4.125%
HK$53,013
baseline
▲ 0.50% · 4.625%
HK$56,239
+HK$3,226/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,026/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,496
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,985
−HK$1,510/mo
Today · 4.125%
HK$58,495
baseline
▲ 0.50% · 4.625%
HK$61,578
+HK$3,083/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$116,990/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,137
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,133
−HK$2,026/mo
Today · 4.125%
HK$68,159
baseline
▲ 0.50% · 4.625%
HK$72,307
+HK$4,148/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,318/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,352
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,266
−HK$1,941/mo
Today · 4.125%
HK$75,207
baseline
▲ 0.50% · 4.625%
HK$79,172
+HK$3,965/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,414/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,986 · Scale 2, in force from 26 Feb 2026)