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$35,664
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,773
−HK$1,127/mo
Today · 4.125%
HK$37,900
baseline
▲ 0.50% · 4.625%
HK$40,206
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,800/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,675
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,739
−HK$1,080/mo
Today · 4.125%
HK$41,819
baseline
▲ 0.50% · 4.625%
HK$44,023
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,638/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,796
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,128
−HK$1,352/mo
Today · 4.125%
HK$45,480
baseline
▲ 0.50% · 4.625%
HK$48,247
+HK$2,767/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$90,960/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,610
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,887
−HK$1,296/mo
Today · 4.125%
HK$50,183
baseline
▲ 0.50% · 4.625%
HK$52,828
+HK$2,645/mo
Deposit HK$6.26M · loan HK$9.38M · min. income ≈ HK$100,366/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,929
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,482
−HK$1,578/mo
Today · 4.125%
HK$53,060
baseline
▲ 0.50% · 4.625%
HK$56,289
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,120/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,546
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,035
−HK$1,512/mo
Today · 4.125%
HK$58,547
baseline
▲ 0.50% · 4.625%
HK$61,633
+HK$3,086/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,094/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,194
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,191
−HK$2,029/mo
Today · 4.125%
HK$68,220
baseline
▲ 0.50% · 4.625%
HK$72,371
+HK$4,151/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,440/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,416
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,331
−HK$1,943/mo
Today · 4.125%
HK$75,274
baseline
▲ 0.50% · 4.625%
HK$79,242
+HK$3,968/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,548/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,507 · Scale 2, in force from 26 Feb 2026)