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$35,414
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,516
−HK$1,119/mo
Today · 4.125%
HK$37,635
baseline
▲ 0.50% · 4.625%
HK$39,925
+HK$2,290/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,270/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,398
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,454
−HK$1,072/mo
Today · 4.125%
HK$41,526
baseline
▲ 0.50% · 4.625%
HK$43,715
+HK$2,189/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,052/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,497
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,819
−HK$1,343/mo
Today · 4.125%
HK$45,162
baseline
▲ 0.50% · 4.625%
HK$47,910
+HK$2,748/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,324/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,277
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,545
−HK$1,287/mo
Today · 4.125%
HK$49,832
baseline
▲ 0.50% · 4.625%
HK$52,458
+HK$2,626/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,664/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,580
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,122
−HK$1,567/mo
Today · 4.125%
HK$52,689
baseline
▲ 0.50% · 4.625%
HK$55,895
+HK$3,206/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,378/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,157
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,636
−HK$1,501/mo
Today · 4.125%
HK$58,137
baseline
▲ 0.50% · 4.625%
HK$61,201
+HK$3,064/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,274/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,745
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,728
−HK$2,015/mo
Today · 4.125%
HK$67,743
baseline
▲ 0.50% · 4.625%
HK$71,865
+HK$4,122/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,486/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,916
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,818
−HK$1,929/mo
Today · 4.125%
HK$74,747
baseline
▲ 0.50% · 4.625%
HK$78,687
+HK$3,940/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,494/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,402 · Scale 2, in force from 26 Feb 2026)