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$35,628
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,737
−HK$1,126/mo
Today · 4.125%
HK$37,863
baseline
▲ 0.50% · 4.625%
HK$40,166
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,726/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,636
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,699
−HK$1,079/mo
Today · 4.125%
HK$41,778
baseline
▲ 0.50% · 4.625%
HK$43,980
+HK$2,202/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,556/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,754
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,084
−HK$1,351/mo
Today · 4.125%
HK$45,435
baseline
▲ 0.50% · 4.625%
HK$48,200
+HK$2,765/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,870/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,563
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,839
−HK$1,294/mo
Today · 4.125%
HK$50,133
baseline
▲ 0.50% · 4.625%
HK$52,776
+HK$2,643/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,266/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,880
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,431
−HK$1,577/mo
Today · 4.125%
HK$53,008
baseline
▲ 0.50% · 4.625%
HK$56,233
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,016/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,491
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,979
−HK$1,510/mo
Today · 4.125%
HK$58,489
baseline
▲ 0.50% · 4.625%
HK$61,572
+HK$3,083/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$116,978/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,131
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,126
−HK$2,027/mo
Today · 4.125%
HK$68,153
baseline
▲ 0.50% · 4.625%
HK$72,299
+HK$4,146/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,306/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,345
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,258
−HK$1,942/mo
Today · 4.125%
HK$75,200
baseline
▲ 0.50% · 4.625%
HK$79,163
+HK$3,963/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,400/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,926 · Scale 2, in force from 26 Feb 2026)