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$35,279
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,377
−HK$1,115/mo
Today · 4.125%
HK$37,492
baseline
▲ 0.50% · 4.625%
HK$39,773
+HK$2,281/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$74,984/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,248
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,301
−HK$1,068/mo
Today · 4.125%
HK$41,369
baseline
▲ 0.50% · 4.625%
HK$43,549
+HK$2,180/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,738/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,335
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,652
−HK$1,338/mo
Today · 4.125%
HK$44,990
baseline
▲ 0.50% · 4.625%
HK$47,728
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,980/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,098
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,361
−HK$1,281/mo
Today · 4.125%
HK$49,642
baseline
▲ 0.50% · 4.625%
HK$52,259
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,284/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,391
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,928
−HK$1,561/mo
Today · 4.125%
HK$52,489
baseline
▲ 0.50% · 4.625%
HK$55,682
+HK$3,193/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,978/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,947
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,421
−HK$1,495/mo
Today · 4.125%
HK$57,916
baseline
▲ 0.50% · 4.625%
HK$60,969
+HK$3,053/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,832/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,503
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,478
−HK$2,007/mo
Today · 4.125%
HK$67,485
baseline
▲ 0.50% · 4.625%
HK$71,592
+HK$4,107/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,970/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,647
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,541
−HK$1,922/mo
Today · 4.125%
HK$74,463
baseline
▲ 0.50% · 4.625%
HK$78,388
+HK$3,925/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,926/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,190 · Scale 2, in force from 26 Feb 2026)