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$35,614
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,722
−HK$1,125/mo
Today · 4.125%
HK$37,847
baseline
▲ 0.50% · 4.625%
HK$40,150
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,694/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,620
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,683
−HK$1,078/mo
Today · 4.125%
HK$41,761
baseline
▲ 0.50% · 4.625%
HK$43,962
+HK$2,201/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,522/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,737
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,066
−HK$1,351/mo
Today · 4.125%
HK$45,417
baseline
▲ 0.50% · 4.625%
HK$48,180
+HK$2,763/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,834/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,544
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,819
−HK$1,294/mo
Today · 4.125%
HK$50,113
baseline
▲ 0.50% · 4.625%
HK$52,755
+HK$2,642/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,226/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,860
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,411
−HK$1,575/mo
Today · 4.125%
HK$52,986
baseline
▲ 0.50% · 4.625%
HK$56,210
+HK$3,224/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$105,972/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,468
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,956
−HK$1,509/mo
Today · 4.125%
HK$58,465
baseline
▲ 0.50% · 4.625%
HK$61,547
+HK$3,082/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$116,930/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,105
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,099
−HK$2,026/mo
Today · 4.125%
HK$68,125
baseline
▲ 0.50% · 4.625%
HK$72,270
+HK$4,145/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,250/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,316
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,229
−HK$1,940/mo
Today · 4.125%
HK$75,169
baseline
▲ 0.50% · 4.625%
HK$79,132
+HK$3,963/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,338/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,692 · Scale 2, in force from 26 Feb 2026)