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$35,650
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,759
−HK$1,127/mo
Today · 4.125%
HK$37,886
baseline
▲ 0.50% · 4.625%
HK$40,191
+HK$2,305/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,772/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,661
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,724
−HK$1,080/mo
Today · 4.125%
HK$41,804
baseline
▲ 0.50% · 4.625%
HK$44,007
+HK$2,203/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,608/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,781
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,111
−HK$1,352/mo
Today · 4.125%
HK$45,463
baseline
▲ 0.50% · 4.625%
HK$48,230
+HK$2,767/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,926/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,593
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,869
−HK$1,295/mo
Today · 4.125%
HK$50,164
baseline
▲ 0.50% · 4.625%
HK$52,808
+HK$2,644/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,328/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,911
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,463
−HK$1,577/mo
Today · 4.125%
HK$53,040
baseline
▲ 0.50% · 4.625%
HK$56,268
+HK$3,228/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,080/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,525
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,014
−HK$1,511/mo
Today · 4.125%
HK$58,525
baseline
▲ 0.50% · 4.625%
HK$61,610
+HK$3,085/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,050/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,171
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,167
−HK$2,028/mo
Today · 4.125%
HK$68,195
baseline
▲ 0.50% · 4.625%
HK$72,344
+HK$4,149/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,390/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,389
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,304
−HK$1,942/mo
Today · 4.125%
HK$75,246
baseline
▲ 0.50% · 4.625%
HK$79,213
+HK$3,967/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,492/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,290 · Scale 2, in force from 26 Feb 2026)