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$35,389
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,490
−HK$1,118/mo
Today · 4.125%
HK$37,608
baseline
▲ 0.50% · 4.625%
HK$39,897
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,216/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,370
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,426
−HK$1,071/mo
Today · 4.125%
HK$41,497
baseline
▲ 0.50% · 4.625%
HK$43,684
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,994/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,467
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,788
−HK$1,342/mo
Today · 4.125%
HK$45,130
baseline
▲ 0.50% · 4.625%
HK$47,876
+HK$2,746/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,260/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,244
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,511
−HK$1,286/mo
Today · 4.125%
HK$49,797
baseline
▲ 0.50% · 4.625%
HK$52,421
+HK$2,624/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,594/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,545
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,086
−HK$1,566/mo
Today · 4.125%
HK$52,652
baseline
▲ 0.50% · 4.625%
HK$55,855
+HK$3,203/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$105,304/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,118
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,596
−HK$1,500/mo
Today · 4.125%
HK$58,096
baseline
▲ 0.50% · 4.625%
HK$61,158
+HK$3,062/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$116,192/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,700
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,682
−HK$2,013/mo
Today · 4.125%
HK$67,695
baseline
▲ 0.50% · 4.625%
HK$71,814
+HK$4,119/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,390/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,866
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,767
−HK$1,928/mo
Today · 4.125%
HK$74,695
baseline
▲ 0.50% · 4.625%
HK$78,632
+HK$3,937/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,390/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,994 · Scale 2, in force from 26 Feb 2026)