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$35,472
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,576
−HK$1,121/mo
Today · 4.125%
HK$37,697
baseline
▲ 0.50% · 4.625%
HK$39,991
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,394/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,463
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,521
−HK$1,074/mo
Today · 4.125%
HK$41,595
baseline
▲ 0.50% · 4.625%
HK$43,787
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,190/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,567
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,891
−HK$1,345/mo
Today · 4.125%
HK$45,236
baseline
▲ 0.50% · 4.625%
HK$47,989
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,472/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,355
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,625
−HK$1,289/mo
Today · 4.125%
HK$49,914
baseline
▲ 0.50% · 4.625%
HK$52,545
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,828/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,661
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,206
−HK$1,570/mo
Today · 4.125%
HK$52,776
baseline
▲ 0.50% · 4.625%
HK$55,987
+HK$3,211/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,552/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,248
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,730
−HK$1,503/mo
Today · 4.125%
HK$58,233
baseline
▲ 0.50% · 4.625%
HK$61,302
+HK$3,069/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,466/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,850
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,837
−HK$2,017/mo
Today · 4.125%
HK$67,854
baseline
▲ 0.50% · 4.625%
HK$71,983
+HK$4,129/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,708/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,033
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,938
−HK$1,933/mo
Today · 4.125%
HK$74,871
baseline
▲ 0.50% · 4.625%
HK$78,817
+HK$3,946/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,742/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,364 · Scale 2, in force from 26 Feb 2026)