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$35,635
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,744
−HK$1,126/mo
Today · 4.125%
HK$37,870
baseline
▲ 0.50% · 4.625%
HK$40,174
+HK$2,304/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,740/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,644
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,707
−HK$1,079/mo
Today · 4.125%
HK$41,786
baseline
▲ 0.50% · 4.625%
HK$43,989
+HK$2,203/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,572/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,763
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,093
−HK$1,351/mo
Today · 4.125%
HK$45,444
baseline
▲ 0.50% · 4.625%
HK$48,209
+HK$2,765/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,888/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,573
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,849
−HK$1,294/mo
Today · 4.125%
HK$50,143
baseline
▲ 0.50% · 4.625%
HK$52,786
+HK$2,643/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,286/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,890
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,442
−HK$1,576/mo
Today · 4.125%
HK$53,018
baseline
▲ 0.50% · 4.625%
HK$56,244
+HK$3,226/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,036/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$586,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,502
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,990
−HK$1,510/mo
Today · 4.125%
HK$58,500
baseline
▲ 0.50% · 4.625%
HK$61,584
+HK$3,084/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,000/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$586,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,144
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,139
−HK$2,027/mo
Today · 4.125%
HK$68,166
baseline
▲ 0.50% · 4.625%
HK$72,314
+HK$4,148/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,332/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,359
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,273
−HK$1,942/mo
Today · 4.125%
HK$75,215
baseline
▲ 0.50% · 4.625%
HK$79,179
+HK$3,964/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,430/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,044 · Scale 2, in force from 26 Feb 2026)