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$35,319
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,417
−HK$1,116/mo
Today · 4.125%
HK$37,533
baseline
▲ 0.50% · 4.625%
HK$39,817
+HK$2,284/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,066/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,292
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,345
−HK$1,069/mo
Today · 4.125%
HK$41,414
baseline
▲ 0.50% · 4.625%
HK$43,597
+HK$2,183/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,828/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,382
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,701
−HK$1,339/mo
Today · 4.125%
HK$45,040
baseline
▲ 0.50% · 4.625%
HK$47,781
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$90,080/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,150
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,415
−HK$1,282/mo
Today · 4.125%
HK$49,697
baseline
▲ 0.50% · 4.625%
HK$52,317
+HK$2,620/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$99,394/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,446
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,984
−HK$1,563/mo
Today · 4.125%
HK$52,547
baseline
▲ 0.50% · 4.625%
HK$55,744
+HK$3,197/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,094/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,008
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,484
−HK$1,496/mo
Today · 4.125%
HK$57,980
baseline
▲ 0.50% · 4.625%
HK$61,036
+HK$3,056/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,960/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,574
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,551
−HK$2,009/mo
Today · 4.125%
HK$67,560
baseline
▲ 0.50% · 4.625%
HK$71,671
+HK$4,111/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,120/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,725
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,622
−HK$1,924/mo
Today · 4.125%
HK$74,546
baseline
▲ 0.50% · 4.625%
HK$78,475
+HK$3,929/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,092/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,834 · Scale 2, in force from 26 Feb 2026)