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$35,393
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,493
−HK$1,119/mo
Today · 4.125%
HK$37,612
baseline
▲ 0.50% · 4.625%
HK$39,901
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,224/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,374
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,430
−HK$1,071/mo
Today · 4.125%
HK$41,501
baseline
▲ 0.50% · 4.625%
HK$43,689
+HK$2,188/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,002/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,471
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,792
−HK$1,342/mo
Today · 4.125%
HK$45,134
baseline
▲ 0.50% · 4.625%
HK$47,881
+HK$2,747/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,268/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,249
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,516
−HK$1,285/mo
Today · 4.125%
HK$49,801
baseline
▲ 0.50% · 4.625%
HK$52,426
+HK$2,625/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,602/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,550
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,091
−HK$1,566/mo
Today · 4.125%
HK$52,657
baseline
▲ 0.50% · 4.625%
HK$55,861
+HK$3,204/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$105,314/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,123
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,602
−HK$1,499/mo
Today · 4.125%
HK$58,101
baseline
▲ 0.50% · 4.625%
HK$61,164
+HK$3,063/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$116,202/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,707
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,688
−HK$2,013/mo
Today · 4.125%
HK$67,701
baseline
▲ 0.50% · 4.625%
HK$71,821
+HK$4,120/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,402/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,873
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,774
−HK$1,928/mo
Today · 4.125%
HK$74,702
baseline
▲ 0.50% · 4.625%
HK$78,640
+HK$3,938/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,404/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,049 · Scale 2, in force from 26 Feb 2026)