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$35,635
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,743
−HK$1,126/mo
Today · 4.125%
HK$37,869
baseline
▲ 0.50% · 4.625%
HK$40,174
+HK$2,305/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,738/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,643
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,706
−HK$1,079/mo
Today · 4.125%
HK$41,785
baseline
▲ 0.50% · 4.625%
HK$43,988
+HK$2,203/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,570/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,762
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,092
−HK$1,351/mo
Today · 4.125%
HK$45,443
baseline
▲ 0.50% · 4.625%
HK$48,208
+HK$2,765/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,886/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,572
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,848
−HK$1,294/mo
Today · 4.125%
HK$50,142
baseline
▲ 0.50% · 4.625%
HK$52,785
+HK$2,643/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,284/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,889
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,440
−HK$1,577/mo
Today · 4.125%
HK$53,017
baseline
▲ 0.50% · 4.625%
HK$56,243
+HK$3,226/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,034/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$586,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,501
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,989
−HK$1,510/mo
Today · 4.125%
HK$58,499
baseline
▲ 0.50% · 4.625%
HK$61,583
+HK$3,084/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$116,998/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$586,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,142
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,138
−HK$2,027/mo
Today · 4.125%
HK$68,165
baseline
▲ 0.50% · 4.625%
HK$72,312
+HK$4,147/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,330/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,358
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,272
−HK$1,941/mo
Today · 4.125%
HK$75,213
baseline
▲ 0.50% · 4.625%
HK$79,178
+HK$3,965/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,426/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,031 · Scale 2, in force from 26 Feb 2026)