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$35,612
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,720
−HK$1,125/mo
Today · 4.125%
HK$37,845
baseline
▲ 0.50% · 4.625%
HK$40,148
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,690/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,618
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,681
−HK$1,077/mo
Today · 4.125%
HK$41,758
baseline
▲ 0.50% · 4.625%
HK$43,960
+HK$2,202/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,516/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,734
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,064
−HK$1,350/mo
Today · 4.125%
HK$45,414
baseline
▲ 0.50% · 4.625%
HK$48,178
+HK$2,764/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,828/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,542
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,817
−HK$1,293/mo
Today · 4.125%
HK$50,110
baseline
▲ 0.50% · 4.625%
HK$52,752
+HK$2,642/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,220/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,857
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,408
−HK$1,575/mo
Today · 4.125%
HK$52,983
baseline
▲ 0.50% · 4.625%
HK$56,207
+HK$3,224/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$105,966/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,465
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,953
−HK$1,509/mo
Today · 4.125%
HK$58,462
baseline
▲ 0.50% · 4.625%
HK$61,543
+HK$3,081/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$116,924/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,102
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,096
−HK$2,025/mo
Today · 4.125%
HK$68,121
baseline
▲ 0.50% · 4.625%
HK$72,266
+HK$4,145/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,242/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,312
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,225
−HK$1,940/mo
Today · 4.125%
HK$75,165
baseline
▲ 0.50% · 4.625%
HK$79,127
+HK$3,962/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,330/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,659 · Scale 2, in force from 26 Feb 2026)