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$35,466
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,569
−HK$1,121/mo
Today · 4.125%
HK$37,690
baseline
▲ 0.50% · 4.625%
HK$39,983
+HK$2,293/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,380/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,455
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,514
−HK$1,073/mo
Today · 4.125%
HK$41,587
baseline
▲ 0.50% · 4.625%
HK$43,779
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,174/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,559
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,883
−HK$1,345/mo
Today · 4.125%
HK$45,228
baseline
▲ 0.50% · 4.625%
HK$47,980
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,456/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,347
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,616
−HK$1,289/mo
Today · 4.125%
HK$49,905
baseline
▲ 0.50% · 4.625%
HK$52,535
+HK$2,630/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,810/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,652
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,197
−HK$1,569/mo
Today · 4.125%
HK$52,766
baseline
▲ 0.50% · 4.625%
HK$55,977
+HK$3,211/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,532/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,238
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,719
−HK$1,503/mo
Today · 4.125%
HK$58,222
baseline
▲ 0.50% · 4.625%
HK$61,291
+HK$3,069/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,444/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,839
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,824
−HK$2,018/mo
Today · 4.125%
HK$67,842
baseline
▲ 0.50% · 4.625%
HK$71,970
+HK$4,128/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,684/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,020
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,925
−HK$1,932/mo
Today · 4.125%
HK$74,857
baseline
▲ 0.50% · 4.625%
HK$78,803
+HK$3,946/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,714/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,256 · Scale 2, in force from 26 Feb 2026)