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$35,294
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,392
−HK$1,115/mo
Today · 4.125%
HK$37,507
baseline
▲ 0.50% · 4.625%
HK$39,790
+HK$2,283/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,014/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,264
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,317
−HK$1,069/mo
Today · 4.125%
HK$41,386
baseline
▲ 0.50% · 4.625%
HK$43,567
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,772/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,353
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,670
−HK$1,339/mo
Today · 4.125%
HK$45,009
baseline
▲ 0.50% · 4.625%
HK$47,748
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,018/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,117
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,381
−HK$1,282/mo
Today · 4.125%
HK$49,663
baseline
▲ 0.50% · 4.625%
HK$52,281
+HK$2,618/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,326/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,412
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,949
−HK$1,561/mo
Today · 4.125%
HK$52,510
baseline
▲ 0.50% · 4.625%
HK$55,705
+HK$3,195/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$105,020/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,970
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,444
−HK$1,496/mo
Today · 4.125%
HK$57,940
baseline
▲ 0.50% · 4.625%
HK$60,994
+HK$3,054/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,880/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,529
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,506
−HK$2,007/mo
Today · 4.125%
HK$67,513
baseline
▲ 0.50% · 4.625%
HK$71,621
+HK$4,108/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,026/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,676
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,571
−HK$1,923/mo
Today · 4.125%
HK$74,494
baseline
▲ 0.50% · 4.625%
HK$78,421
+HK$3,927/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,988/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,431 · Scale 2, in force from 26 Feb 2026)