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$35,641
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,750
−HK$1,126/mo
Today · 4.125%
HK$37,876
baseline
▲ 0.50% · 4.625%
HK$40,181
+HK$2,305/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,752/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,651
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,714
−HK$1,079/mo
Today · 4.125%
HK$41,793
baseline
▲ 0.50% · 4.625%
HK$43,996
+HK$2,203/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,586/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,769
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,100
−HK$1,351/mo
Today · 4.125%
HK$45,451
baseline
▲ 0.50% · 4.625%
HK$48,217
+HK$2,766/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,902/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,581
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,857
−HK$1,294/mo
Today · 4.125%
HK$50,151
baseline
▲ 0.50% · 4.625%
HK$52,795
+HK$2,644/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,302/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,898
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,450
−HK$1,577/mo
Today · 4.125%
HK$53,027
baseline
▲ 0.50% · 4.625%
HK$56,253
+HK$3,226/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,054/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,511
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,999
−HK$1,511/mo
Today · 4.125%
HK$58,510
baseline
▲ 0.50% · 4.625%
HK$61,594
+HK$3,084/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,020/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,154
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,150
−HK$2,027/mo
Today · 4.125%
HK$68,177
baseline
▲ 0.50% · 4.625%
HK$72,326
+HK$4,149/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,354/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,371
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,285
−HK$1,942/mo
Today · 4.125%
HK$75,227
baseline
▲ 0.50% · 4.625%
HK$79,192
+HK$3,965/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,454/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,139 · Scale 2, in force from 26 Feb 2026)