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$35,622
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,730
−HK$1,126/mo
Today · 4.125%
HK$37,856
baseline
▲ 0.50% · 4.625%
HK$40,160
+HK$2,304/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,712/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,630
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,692
−HK$1,079/mo
Today · 4.125%
HK$41,771
baseline
▲ 0.50% · 4.625%
HK$43,972
+HK$2,201/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,542/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,747
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,077
−HK$1,350/mo
Today · 4.125%
HK$45,427
baseline
▲ 0.50% · 4.625%
HK$48,192
+HK$2,765/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,854/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,555
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,831
−HK$1,294/mo
Today · 4.125%
HK$50,125
baseline
▲ 0.50% · 4.625%
HK$52,767
+HK$2,642/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,250/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,871
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,423
−HK$1,576/mo
Today · 4.125%
HK$52,999
baseline
▲ 0.50% · 4.625%
HK$56,224
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$105,998/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,481
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,969
−HK$1,510/mo
Today · 4.125%
HK$58,479
baseline
▲ 0.50% · 4.625%
HK$61,561
+HK$3,082/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$116,958/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,120
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,115
−HK$2,026/mo
Today · 4.125%
HK$68,141
baseline
▲ 0.50% · 4.625%
HK$72,287
+HK$4,146/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,282/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,333
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,246
−HK$1,941/mo
Today · 4.125%
HK$75,187
baseline
▲ 0.50% · 4.625%
HK$79,150
+HK$3,963/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,374/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,829 · Scale 2, in force from 26 Feb 2026)