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$35,409
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,510
−HK$1,119/mo
Today · 4.125%
HK$37,629
baseline
▲ 0.50% · 4.625%
HK$39,919
+HK$2,290/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,258/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,392
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,448
−HK$1,072/mo
Today · 4.125%
HK$41,520
baseline
▲ 0.50% · 4.625%
HK$43,709
+HK$2,189/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,040/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,490
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,812
−HK$1,343/mo
Today · 4.125%
HK$45,155
baseline
▲ 0.50% · 4.625%
HK$47,903
+HK$2,748/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,310/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,270
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,538
−HK$1,286/mo
Today · 4.125%
HK$49,824
baseline
▲ 0.50% · 4.625%
HK$52,450
+HK$2,626/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,648/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,572
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,114
−HK$1,567/mo
Today · 4.125%
HK$52,681
baseline
▲ 0.50% · 4.625%
HK$55,886
+HK$3,205/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,362/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,149
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,628
−HK$1,500/mo
Today · 4.125%
HK$58,128
baseline
▲ 0.50% · 4.625%
HK$61,192
+HK$3,064/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,256/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,736
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,718
−HK$2,014/mo
Today · 4.125%
HK$67,732
baseline
▲ 0.50% · 4.625%
HK$71,854
+HK$4,122/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,464/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,905
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,807
−HK$1,929/mo
Today · 4.125%
HK$74,736
baseline
▲ 0.50% · 4.625%
HK$78,676
+HK$3,940/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,472/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,315 · Scale 2, in force from 26 Feb 2026)