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$35,602
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,709
−HK$1,125/mo
Today · 4.125%
HK$37,834
baseline
▲ 0.50% · 4.625%
HK$40,136
+HK$2,302/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,668/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,606
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,669
−HK$1,077/mo
Today · 4.125%
HK$41,746
baseline
▲ 0.50% · 4.625%
HK$43,947
+HK$2,201/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,492/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,722
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,051
−HK$1,350/mo
Today · 4.125%
HK$45,401
baseline
▲ 0.50% · 4.625%
HK$48,163
+HK$2,762/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,802/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,528
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,802
−HK$1,293/mo
Today · 4.125%
HK$50,095
baseline
▲ 0.50% · 4.625%
HK$52,736
+HK$2,641/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,190/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,842
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,393
−HK$1,575/mo
Today · 4.125%
HK$52,968
baseline
▲ 0.50% · 4.625%
HK$56,191
+HK$3,223/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,936/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,449
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,936
−HK$1,509/mo
Today · 4.125%
HK$58,445
baseline
▲ 0.50% · 4.625%
HK$61,525
+HK$3,080/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,890/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,083
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,076
−HK$2,025/mo
Today · 4.125%
HK$68,101
baseline
▲ 0.50% · 4.625%
HK$72,245
+HK$4,144/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,202/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,292
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,204
−HK$1,939/mo
Today · 4.125%
HK$75,143
baseline
▲ 0.50% · 4.625%
HK$79,104
+HK$3,961/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,286/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,487 · Scale 2, in force from 26 Feb 2026)