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$35,455
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,558
−HK$1,121/mo
Today · 4.125%
HK$37,679
baseline
▲ 0.50% · 4.625%
HK$39,971
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,358/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,444
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,502
−HK$1,073/mo
Today · 4.125%
HK$41,575
baseline
▲ 0.50% · 4.625%
HK$43,766
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,150/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,546
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,870
−HK$1,344/mo
Today · 4.125%
HK$45,214
baseline
▲ 0.50% · 4.625%
HK$47,966
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,428/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,332
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,602
−HK$1,288/mo
Today · 4.125%
HK$49,890
baseline
▲ 0.50% · 4.625%
HK$52,519
+HK$2,629/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,780/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,637
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,181
−HK$1,569/mo
Today · 4.125%
HK$52,750
baseline
▲ 0.50% · 4.625%
HK$55,960
+HK$3,210/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,500/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,221
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,702
−HK$1,503/mo
Today · 4.125%
HK$58,205
baseline
▲ 0.50% · 4.625%
HK$61,273
+HK$3,068/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,410/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,820
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,805
−HK$2,017/mo
Today · 4.125%
HK$67,822
baseline
▲ 0.50% · 4.625%
HK$71,948
+HK$4,126/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,644/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,999
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,903
−HK$1,932/mo
Today · 4.125%
HK$74,835
baseline
▲ 0.50% · 4.625%
HK$78,779
+HK$3,944/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,670/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,082 · Scale 2, in force from 26 Feb 2026)