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$35,611
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,719
−HK$1,125/mo
Today · 4.125%
HK$37,844
baseline
▲ 0.50% · 4.625%
HK$40,147
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,688/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,617
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,679
−HK$1,078/mo
Today · 4.125%
HK$41,757
baseline
▲ 0.50% · 4.625%
HK$43,958
+HK$2,201/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,514/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,733
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,062
−HK$1,351/mo
Today · 4.125%
HK$45,413
baseline
▲ 0.50% · 4.625%
HK$48,176
+HK$2,763/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,826/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,540
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,815
−HK$1,294/mo
Today · 4.125%
HK$50,109
baseline
▲ 0.50% · 4.625%
HK$52,750
+HK$2,641/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,218/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,855
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,406
−HK$1,576/mo
Today · 4.125%
HK$52,982
baseline
▲ 0.50% · 4.625%
HK$56,206
+HK$3,224/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$105,964/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,464
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,951
−HK$1,509/mo
Today · 4.125%
HK$58,460
baseline
▲ 0.50% · 4.625%
HK$61,542
+HK$3,082/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$116,920/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,100
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,094
−HK$2,025/mo
Today · 4.125%
HK$68,119
baseline
▲ 0.50% · 4.625%
HK$72,264
+HK$4,145/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,238/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,310
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,223
−HK$1,940/mo
Today · 4.125%
HK$75,163
baseline
▲ 0.50% · 4.625%
HK$79,125
+HK$3,962/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,326/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,642 · Scale 2, in force from 26 Feb 2026)