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$35,442
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,544
−HK$1,120/mo
Today · 4.125%
HK$37,664
baseline
▲ 0.50% · 4.625%
HK$39,956
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,328/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,429
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,486
−HK$1,073/mo
Today · 4.125%
HK$41,559
baseline
▲ 0.50% · 4.625%
HK$43,750
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,118/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,530
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,853
−HK$1,344/mo
Today · 4.125%
HK$45,197
baseline
▲ 0.50% · 4.625%
HK$47,948
+HK$2,751/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,394/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,315
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,584
−HK$1,287/mo
Today · 4.125%
HK$49,871
baseline
▲ 0.50% · 4.625%
HK$52,500
+HK$2,629/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,742/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,619
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,162
−HK$1,568/mo
Today · 4.125%
HK$52,730
baseline
▲ 0.50% · 4.625%
HK$55,939
+HK$3,209/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,460/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,200
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,681
−HK$1,502/mo
Today · 4.125%
HK$58,183
baseline
▲ 0.50% · 4.625%
HK$61,250
+HK$3,067/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,366/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,796
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,780
−HK$2,016/mo
Today · 4.125%
HK$67,796
baseline
▲ 0.50% · 4.625%
HK$71,921
+HK$4,125/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,592/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,972
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,875
−HK$1,931/mo
Today · 4.125%
HK$74,806
baseline
▲ 0.50% · 4.625%
HK$78,749
+HK$3,943/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,612/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,862 · Scale 2, in force from 26 Feb 2026)