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$35,624
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,732
−HK$1,126/mo
Today · 4.125%
HK$37,858
baseline
▲ 0.50% · 4.625%
HK$40,162
+HK$2,304/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,716/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,632
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,695
−HK$1,078/mo
Today · 4.125%
HK$41,773
baseline
▲ 0.50% · 4.625%
HK$43,975
+HK$2,202/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,546/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,749
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,079
−HK$1,351/mo
Today · 4.125%
HK$45,430
baseline
▲ 0.50% · 4.625%
HK$48,194
+HK$2,764/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,860/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,558
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,834
−HK$1,293/mo
Today · 4.125%
HK$50,127
baseline
▲ 0.50% · 4.625%
HK$52,770
+HK$2,643/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,254/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$585,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,874
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,425
−HK$1,577/mo
Today · 4.125%
HK$53,002
baseline
▲ 0.50% · 4.625%
HK$56,227
+HK$3,225/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,004/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,484
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,972
−HK$1,510/mo
Today · 4.125%
HK$58,482
baseline
▲ 0.50% · 4.625%
HK$61,565
+HK$3,083/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$116,964/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,124
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,118
−HK$2,027/mo
Today · 4.125%
HK$68,145
baseline
▲ 0.50% · 4.625%
HK$72,291
+HK$4,146/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,290/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,337
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,250
−HK$1,941/mo
Today · 4.125%
HK$75,191
baseline
▲ 0.50% · 4.625%
HK$79,155
+HK$3,964/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,382/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,861 · Scale 2, in force from 26 Feb 2026)