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$35,379
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,479
−HK$1,119/mo
Today · 4.125%
HK$37,598
baseline
▲ 0.50% · 4.625%
HK$39,885
+HK$2,287/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,196/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,359
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,414
−HK$1,071/mo
Today · 4.125%
HK$41,485
baseline
▲ 0.50% · 4.625%
HK$43,672
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,970/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,455
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,775
−HK$1,342/mo
Today · 4.125%
HK$45,117
baseline
▲ 0.50% · 4.625%
HK$47,862
+HK$2,745/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,234/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,230
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,497
−HK$1,285/mo
Today · 4.125%
HK$49,782
baseline
▲ 0.50% · 4.625%
HK$52,406
+HK$2,624/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,564/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,531
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,071
−HK$1,566/mo
Today · 4.125%
HK$52,637
baseline
▲ 0.50% · 4.625%
HK$55,839
+HK$3,202/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,274/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,102
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,580
−HK$1,499/mo
Today · 4.125%
HK$58,079
baseline
▲ 0.50% · 4.625%
HK$61,141
+HK$3,062/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,158/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,682
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,663
−HK$2,013/mo
Today · 4.125%
HK$67,676
baseline
▲ 0.50% · 4.625%
HK$71,793
+HK$4,117/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,352/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,846
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,746
−HK$1,927/mo
Today · 4.125%
HK$74,673
baseline
▲ 0.50% · 4.625%
HK$78,609
+HK$3,936/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,346/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,826 · Scale 2, in force from 26 Feb 2026)