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$35,596
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,703
−HK$1,125/mo
Today · 4.125%
HK$37,828
baseline
▲ 0.50% · 4.625%
HK$40,130
+HK$2,302/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,656/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,600
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,662
−HK$1,077/mo
Today · 4.125%
HK$41,739
baseline
▲ 0.50% · 4.625%
HK$43,939
+HK$2,200/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,478/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,715
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,044
−HK$1,349/mo
Today · 4.125%
HK$45,393
baseline
▲ 0.50% · 4.625%
HK$48,156
+HK$2,763/mo
Deposit HK$6.24M · loan HK$9.37M · min. income ≈ HK$90,786/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,520
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,794
−HK$1,293/mo
Today · 4.125%
HK$50,087
baseline
▲ 0.50% · 4.625%
HK$52,727
+HK$2,640/mo
Deposit HK$6.24M · loan HK$9.37M · min. income ≈ HK$100,174/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,834
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,384
−HK$1,575/mo
Today · 4.125%
HK$52,959
baseline
▲ 0.50% · 4.625%
HK$56,181
+HK$3,222/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,918/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,440
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,927
−HK$1,508/mo
Today · 4.125%
HK$58,435
baseline
▲ 0.50% · 4.625%
HK$61,515
+HK$3,080/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,870/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,072
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,065
−HK$2,025/mo
Today · 4.125%
HK$68,090
baseline
▲ 0.50% · 4.625%
HK$72,233
+HK$4,143/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,180/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,280
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,191
−HK$1,940/mo
Today · 4.125%
HK$75,131
baseline
▲ 0.50% · 4.625%
HK$79,091
+HK$3,960/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,262/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,390 · Scale 2, in force from 26 Feb 2026)