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$35,391
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,492
−HK$1,119/mo
Today · 4.125%
HK$37,611
baseline
▲ 0.50% · 4.625%
HK$39,899
+HK$2,288/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,222/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,373
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,429
−HK$1,071/mo
Today · 4.125%
HK$41,500
baseline
▲ 0.50% · 4.625%
HK$43,687
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,000/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,470
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,791
−HK$1,342/mo
Today · 4.125%
HK$45,133
baseline
▲ 0.50% · 4.625%
HK$47,879
+HK$2,746/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,266/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,247
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,514
−HK$1,286/mo
Today · 4.125%
HK$49,800
baseline
▲ 0.50% · 4.625%
HK$52,425
+HK$2,625/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,600/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,548
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,089
−HK$1,566/mo
Today · 4.125%
HK$52,655
baseline
▲ 0.50% · 4.625%
HK$55,859
+HK$3,204/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$105,310/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,122
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,600
−HK$1,500/mo
Today · 4.125%
HK$58,100
baseline
▲ 0.50% · 4.625%
HK$61,162
+HK$3,062/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$116,200/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,705
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,686
−HK$2,013/mo
Today · 4.125%
HK$67,699
baseline
▲ 0.50% · 4.625%
HK$71,819
+HK$4,120/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,398/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,871
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,771
−HK$1,929/mo
Today · 4.125%
HK$74,700
baseline
▲ 0.50% · 4.625%
HK$78,637
+HK$3,937/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,400/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,031 · Scale 2, in force from 26 Feb 2026)