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$35,620
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,728
−HK$1,126/mo
Today · 4.125%
HK$37,854
baseline
▲ 0.50% · 4.625%
HK$40,157
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,708/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,627
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,690
−HK$1,078/mo
Today · 4.125%
HK$41,768
baseline
▲ 0.50% · 4.625%
HK$43,970
+HK$2,202/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,536/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,744
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,074
−HK$1,351/mo
Today · 4.125%
HK$45,425
baseline
▲ 0.50% · 4.625%
HK$48,189
+HK$2,764/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,850/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,552
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,828
−HK$1,293/mo
Today · 4.125%
HK$50,121
baseline
▲ 0.50% · 4.625%
HK$52,763
+HK$2,642/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,242/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,868
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,419
−HK$1,576/mo
Today · 4.125%
HK$52,995
baseline
▲ 0.50% · 4.625%
HK$56,220
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$105,990/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,478
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,966
−HK$1,509/mo
Today · 4.125%
HK$58,475
baseline
▲ 0.50% · 4.625%
HK$61,557
+HK$3,082/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$116,950/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,116
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,111
−HK$2,026/mo
Today · 4.125%
HK$68,137
baseline
▲ 0.50% · 4.625%
HK$72,283
+HK$4,146/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,274/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,329
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,242
−HK$1,940/mo
Today · 4.125%
HK$75,182
baseline
▲ 0.50% · 4.625%
HK$79,145
+HK$3,963/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,364/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,791 · Scale 2, in force from 26 Feb 2026)