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$35,400
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,501
−HK$1,118/mo
Today · 4.125%
HK$37,619
baseline
▲ 0.50% · 4.625%
HK$39,908
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,238/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,382
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,438
−HK$1,071/mo
Today · 4.125%
HK$41,509
baseline
▲ 0.50% · 4.625%
HK$43,697
+HK$2,188/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,018/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,479
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,801
−HK$1,342/mo
Today · 4.125%
HK$45,143
baseline
▲ 0.50% · 4.625%
HK$47,890
+HK$2,747/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,286/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,258
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,525
−HK$1,286/mo
Today · 4.125%
HK$49,811
baseline
▲ 0.50% · 4.625%
HK$52,437
+HK$2,626/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,622/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,559
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,101
−HK$1,566/mo
Today · 4.125%
HK$52,667
baseline
▲ 0.50% · 4.625%
HK$55,872
+HK$3,205/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,334/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,134
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,613
−HK$1,500/mo
Today · 4.125%
HK$58,113
baseline
▲ 0.50% · 4.625%
HK$61,176
+HK$3,063/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,226/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,719
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,701
−HK$2,014/mo
Today · 4.125%
HK$67,715
baseline
▲ 0.50% · 4.625%
HK$71,835
+HK$4,120/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,430/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,887
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,788
−HK$1,929/mo
Today · 4.125%
HK$74,717
baseline
▲ 0.50% · 4.625%
HK$78,655
+HK$3,938/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,434/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,165 · Scale 2, in force from 26 Feb 2026)