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$35,663
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,772
−HK$1,127/mo
Today · 4.125%
HK$37,899
baseline
▲ 0.50% · 4.625%
HK$40,205
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,798/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,675
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,739
−HK$1,079/mo
Today · 4.125%
HK$41,818
baseline
▲ 0.50% · 4.625%
HK$44,023
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,636/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,796
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,127
−HK$1,352/mo
Today · 4.125%
HK$45,479
baseline
▲ 0.50% · 4.625%
HK$48,247
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$90,958/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,610
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,887
−HK$1,295/mo
Today · 4.125%
HK$50,182
baseline
▲ 0.50% · 4.625%
HK$52,827
+HK$2,645/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$100,364/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,928
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,481
−HK$1,578/mo
Today · 4.125%
HK$53,059
baseline
▲ 0.50% · 4.625%
HK$56,288
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,118/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,545
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,034
−HK$1,512/mo
Today · 4.125%
HK$58,546
baseline
▲ 0.50% · 4.625%
HK$61,632
+HK$3,086/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,092/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,193
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,190
−HK$2,029/mo
Today · 4.125%
HK$68,219
baseline
▲ 0.50% · 4.625%
HK$72,370
+HK$4,151/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,438/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,415
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,330
−HK$1,943/mo
Today · 4.125%
HK$75,273
baseline
▲ 0.50% · 4.625%
HK$79,241
+HK$3,968/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,546/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,497 · Scale 2, in force from 26 Feb 2026)