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$35,295
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,393
−HK$1,115/mo
Today · 4.125%
HK$37,508
baseline
▲ 0.50% · 4.625%
HK$39,790
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,016/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,265
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,318
−HK$1,068/mo
Today · 4.125%
HK$41,386
baseline
▲ 0.50% · 4.625%
HK$43,568
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,772/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,354
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,671
−HK$1,339/mo
Today · 4.125%
HK$45,010
baseline
▲ 0.50% · 4.625%
HK$47,748
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,020/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,118
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,382
−HK$1,282/mo
Today · 4.125%
HK$49,664
baseline
▲ 0.50% · 4.625%
HK$52,282
+HK$2,618/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,328/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,413
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,950
−HK$1,561/mo
Today · 4.125%
HK$52,511
baseline
▲ 0.50% · 4.625%
HK$55,706
+HK$3,195/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$105,022/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,971
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,445
−HK$1,496/mo
Today · 4.125%
HK$57,941
baseline
▲ 0.50% · 4.625%
HK$60,995
+HK$3,054/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,882/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,531
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,507
−HK$2,007/mo
Today · 4.125%
HK$67,514
baseline
▲ 0.50% · 4.625%
HK$71,623
+HK$4,109/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,028/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,677
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,573
−HK$1,923/mo
Today · 4.125%
HK$74,496
baseline
▲ 0.50% · 4.625%
HK$78,422
+HK$3,926/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,992/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,441 · Scale 2, in force from 26 Feb 2026)