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$35,618
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,726
−HK$1,125/mo
Today · 4.125%
HK$37,851
baseline
▲ 0.50% · 4.625%
HK$40,154
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,702/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,624
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,687
−HK$1,078/mo
Today · 4.125%
HK$41,765
baseline
▲ 0.50% · 4.625%
HK$43,967
+HK$2,202/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,530/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,741
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,071
−HK$1,351/mo
Today · 4.125%
HK$45,422
baseline
▲ 0.50% · 4.625%
HK$48,185
+HK$2,763/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,844/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,549
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,825
−HK$1,293/mo
Today · 4.125%
HK$50,118
baseline
▲ 0.50% · 4.625%
HK$52,760
+HK$2,642/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,236/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,865
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,416
−HK$1,576/mo
Today · 4.125%
HK$52,992
baseline
▲ 0.50% · 4.625%
HK$56,216
+HK$3,224/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$105,984/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,474
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,962
−HK$1,509/mo
Today · 4.125%
HK$58,471
baseline
▲ 0.50% · 4.625%
HK$61,553
+HK$3,082/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$116,942/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,112
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,106
−HK$2,026/mo
Today · 4.125%
HK$68,132
baseline
▲ 0.50% · 4.625%
HK$72,278
+HK$4,146/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,264/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,324
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,237
−HK$1,940/mo
Today · 4.125%
HK$75,177
baseline
▲ 0.50% · 4.625%
HK$79,140
+HK$3,963/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,354/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,753 · Scale 2, in force from 26 Feb 2026)