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$35,602
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,709
−HK$1,126/mo
Today · 4.125%
HK$37,835
baseline
▲ 0.50% · 4.625%
HK$40,137
+HK$2,302/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,670/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,607
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,669
−HK$1,078/mo
Today · 4.125%
HK$41,747
baseline
▲ 0.50% · 4.625%
HK$43,947
+HK$2,200/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,494/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,722
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,051
−HK$1,350/mo
Today · 4.125%
HK$45,401
baseline
▲ 0.50% · 4.625%
HK$48,164
+HK$2,763/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,802/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,528
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,803
−HK$1,293/mo
Today · 4.125%
HK$50,096
baseline
▲ 0.50% · 4.625%
HK$52,737
+HK$2,641/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,192/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,843
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,393
−HK$1,575/mo
Today · 4.125%
HK$52,968
baseline
▲ 0.50% · 4.625%
HK$56,191
+HK$3,223/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,936/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,450
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,937
−HK$1,508/mo
Today · 4.125%
HK$58,445
baseline
▲ 0.50% · 4.625%
HK$61,526
+HK$3,081/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,890/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,084
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,077
−HK$2,025/mo
Today · 4.125%
HK$68,102
baseline
▲ 0.50% · 4.625%
HK$72,246
+HK$4,144/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,204/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,292
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,204
−HK$1,940/mo
Today · 4.125%
HK$75,144
baseline
▲ 0.50% · 4.625%
HK$79,105
+HK$3,961/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,288/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,493 · Scale 2, in force from 26 Feb 2026)