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$35,633
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,741
−HK$1,127/mo
Today · 4.125%
HK$37,868
baseline
▲ 0.50% · 4.625%
HK$40,172
+HK$2,304/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,736/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,641
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,705
−HK$1,078/mo
Today · 4.125%
HK$41,783
baseline
▲ 0.50% · 4.625%
HK$43,986
+HK$2,203/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,566/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,760
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,090
−HK$1,351/mo
Today · 4.125%
HK$45,441
baseline
▲ 0.50% · 4.625%
HK$48,206
+HK$2,765/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,882/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,570
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,845
−HK$1,295/mo
Today · 4.125%
HK$50,140
baseline
▲ 0.50% · 4.625%
HK$52,783
+HK$2,643/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,280/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,886
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,438
−HK$1,577/mo
Today · 4.125%
HK$53,015
baseline
▲ 0.50% · 4.625%
HK$56,240
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,030/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$586,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,498
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,986
−HK$1,510/mo
Today · 4.125%
HK$58,496
baseline
▲ 0.50% · 4.625%
HK$61,580
+HK$3,084/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$116,992/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$586,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,139
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,135
−HK$2,027/mo
Today · 4.125%
HK$68,162
baseline
▲ 0.50% · 4.625%
HK$72,309
+HK$4,147/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,324/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,355
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,268
−HK$1,942/mo
Today · 4.125%
HK$75,210
baseline
▲ 0.50% · 4.625%
HK$79,174
+HK$3,964/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,420/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,005 · Scale 2, in force from 26 Feb 2026)