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$35,667
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,777
−HK$1,127/mo
Today · 4.125%
HK$37,904
baseline
▲ 0.50% · 4.625%
HK$40,211
+HK$2,307/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,808/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,680
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,744
−HK$1,079/mo
Today · 4.125%
HK$41,823
baseline
▲ 0.50% · 4.625%
HK$44,028
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,646/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,801
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,132
−HK$1,353/mo
Today · 4.125%
HK$45,485
baseline
▲ 0.50% · 4.625%
HK$48,253
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$90,970/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,616
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,893
−HK$1,295/mo
Today · 4.125%
HK$50,188
baseline
▲ 0.50% · 4.625%
HK$52,834
+HK$2,646/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,376/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,934
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,488
−HK$1,578/mo
Today · 4.125%
HK$53,066
baseline
▲ 0.50% · 4.625%
HK$56,295
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,132/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,552
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,041
−HK$1,512/mo
Today · 4.125%
HK$58,553
baseline
▲ 0.50% · 4.625%
HK$61,639
+HK$3,086/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,106/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,201
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,198
−HK$2,029/mo
Today · 4.125%
HK$68,227
baseline
▲ 0.50% · 4.625%
HK$72,379
+HK$4,152/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,454/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,423
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,339
−HK$1,943/mo
Today · 4.125%
HK$75,282
baseline
▲ 0.50% · 4.625%
HK$79,250
+HK$3,968/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,564/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,571 · Scale 2, in force from 26 Feb 2026)