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$35,651
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,760
−HK$1,126/mo
Today · 4.125%
HK$37,886
baseline
▲ 0.50% · 4.625%
HK$40,192
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,772/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,661
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,725
−HK$1,079/mo
Today · 4.125%
HK$41,804
baseline
▲ 0.50% · 4.625%
HK$44,007
+HK$2,203/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,608/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,781
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,112
−HK$1,352/mo
Today · 4.125%
HK$45,464
baseline
▲ 0.50% · 4.625%
HK$48,230
+HK$2,766/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,928/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,593
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,870
−HK$1,295/mo
Today · 4.125%
HK$50,165
baseline
▲ 0.50% · 4.625%
HK$52,809
+HK$2,644/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,330/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,911
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,464
−HK$1,577/mo
Today · 4.125%
HK$53,041
baseline
▲ 0.50% · 4.625%
HK$56,268
+HK$3,227/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,082/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,526
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,015
−HK$1,510/mo
Today · 4.125%
HK$58,525
baseline
▲ 0.50% · 4.625%
HK$61,610
+HK$3,085/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,050/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,171
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,168
−HK$2,028/mo
Today · 4.125%
HK$68,196
baseline
▲ 0.50% · 4.625%
HK$72,345
+HK$4,149/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,392/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,390
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,305
−HK$1,942/mo
Today · 4.125%
HK$75,247
baseline
▲ 0.50% · 4.625%
HK$79,213
+HK$3,966/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,494/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,296 · Scale 2, in force from 26 Feb 2026)