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$35,690
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,800
−HK$1,128/mo
Today · 4.125%
HK$37,928
baseline
▲ 0.50% · 4.625%
HK$40,236
+HK$2,308/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,856/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,704
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,769
−HK$1,081/mo
Today · 4.125%
HK$41,850
baseline
▲ 0.50% · 4.625%
HK$44,055
+HK$2,205/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,700/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,828
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,160
−HK$1,353/mo
Today · 4.125%
HK$45,513
baseline
▲ 0.50% · 4.625%
HK$48,283
+HK$2,770/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,026/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,645
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,923
−HK$1,296/mo
Today · 4.125%
HK$50,219
baseline
▲ 0.50% · 4.625%
HK$52,867
+HK$2,648/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,438/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,966
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,520
−HK$1,579/mo
Today · 4.125%
HK$53,099
baseline
▲ 0.50% · 4.625%
HK$56,330
+HK$3,231/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,198/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,586
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,077
−HK$1,512/mo
Today · 4.125%
HK$58,589
baseline
▲ 0.50% · 4.625%
HK$61,678
+HK$3,089/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,178/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,241
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,240
−HK$2,030/mo
Today · 4.125%
HK$68,270
baseline
▲ 0.50% · 4.625%
HK$72,424
+HK$4,154/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,540/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,468
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,385
−HK$1,944/mo
Today · 4.125%
HK$75,329
baseline
▲ 0.50% · 4.625%
HK$79,300
+HK$3,971/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,658/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,936 · Scale 2, in force from 26 Feb 2026)