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$35,631
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,739
−HK$1,127/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$585,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,639
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,702
−HK$1,079/mo
Today · 4.125%
HK$41,781
baseline
▲ 0.50% · 4.625%
HK$43,983
+HK$2,202/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,562/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,757
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,087
−HK$1,352/mo
Today · 4.125%
HK$45,439
baseline
▲ 0.50% · 4.625%
HK$48,203
+HK$2,764/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,878/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,567
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,843
−HK$1,294/mo
Today · 4.125%
HK$50,137
baseline
▲ 0.50% · 4.625%
HK$52,780
+HK$2,643/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,274/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,884
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,435
−HK$1,577/mo
Today · 4.125%
HK$53,012
baseline
▲ 0.50% · 4.625%
HK$56,237
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,024/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,495
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,983
−HK$1,510/mo
Today · 4.125%
HK$58,493
baseline
▲ 0.50% · 4.625%
HK$61,577
+HK$3,084/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$116,986/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,136
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,131
−HK$2,027/mo
Today · 4.125%
HK$68,158
baseline
▲ 0.50% · 4.625%
HK$72,305
+HK$4,147/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,316/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,351
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,264
−HK$1,942/mo
Today · 4.125%
HK$75,206
baseline
▲ 0.50% · 4.625%
HK$79,170
+HK$3,964/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,412/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,973 · Scale 2, in force from 26 Feb 2026)