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$35,370
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,470
−HK$1,118/mo
Today · 4.125%
HK$37,588
baseline
▲ 0.50% · 4.625%
HK$39,875
+HK$2,287/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,176/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,348
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,404
−HK$1,070/mo
Today · 4.125%
HK$41,474
baseline
▲ 0.50% · 4.625%
HK$43,660
+HK$2,186/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,948/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,444
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,764
−HK$1,341/mo
Today · 4.125%
HK$45,105
baseline
▲ 0.50% · 4.625%
HK$47,850
+HK$2,745/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$90,210/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,218
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,484
−HK$1,285/mo
Today · 4.125%
HK$49,769
baseline
▲ 0.50% · 4.625%
HK$52,393
+HK$2,624/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$99,538/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,518
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,058
−HK$1,565/mo
Today · 4.125%
HK$52,623
baseline
▲ 0.50% · 4.625%
HK$55,825
+HK$3,202/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,246/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,088
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,565
−HK$1,499/mo
Today · 4.125%
HK$58,064
baseline
▲ 0.50% · 4.625%
HK$61,125
+HK$3,061/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,128/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,665
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,646
−HK$2,012/mo
Today · 4.125%
HK$67,658
baseline
▲ 0.50% · 4.625%
HK$71,775
+HK$4,117/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,316/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,827
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,727
−HK$1,927/mo
Today · 4.125%
HK$74,654
baseline
▲ 0.50% · 4.625%
HK$78,589
+HK$3,935/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,308/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,674 · Scale 2, in force from 26 Feb 2026)