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$35,422
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,524
−HK$1,120/mo
Today · 4.125%
HK$37,644
baseline
▲ 0.50% · 4.625%
HK$39,934
+HK$2,290/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,288/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,407
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,464
−HK$1,072/mo
Today · 4.125%
HK$41,536
baseline
▲ 0.50% · 4.625%
HK$43,725
+HK$2,189/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,072/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,507
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,829
−HK$1,343/mo
Today · 4.125%
HK$45,172
baseline
▲ 0.50% · 4.625%
HK$47,921
+HK$2,749/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,344/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,288
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,557
−HK$1,286/mo
Today · 4.125%
HK$49,843
baseline
▲ 0.50% · 4.625%
HK$52,471
+HK$2,628/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,686/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,591
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,134
−HK$1,567/mo
Today · 4.125%
HK$52,701
baseline
▲ 0.50% · 4.625%
HK$55,908
+HK$3,207/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,402/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,170
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,649
−HK$1,501/mo
Today · 4.125%
HK$58,150
baseline
▲ 0.50% · 4.625%
HK$61,216
+HK$3,066/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,300/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,760
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,744
−HK$2,015/mo
Today · 4.125%
HK$67,759
baseline
▲ 0.50% · 4.625%
HK$71,881
+HK$4,122/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,518/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,933
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,835
−HK$1,930/mo
Today · 4.125%
HK$74,765
baseline
▲ 0.50% · 4.625%
HK$78,706
+HK$3,941/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,530/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,539 · Scale 2, in force from 26 Feb 2026)