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$35,421
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,523
−HK$1,120/mo
Today · 4.125%
HK$37,643
baseline
▲ 0.50% · 4.625%
HK$39,933
+HK$2,290/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,286/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,406
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,463
−HK$1,072/mo
Today · 4.125%
HK$41,535
baseline
▲ 0.50% · 4.625%
HK$43,724
+HK$2,189/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,070/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,506
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,828
−HK$1,343/mo
Today · 4.125%
HK$45,171
baseline
▲ 0.50% · 4.625%
HK$47,920
+HK$2,749/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,342/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,287
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,555
−HK$1,287/mo
Today · 4.125%
HK$49,842
baseline
▲ 0.50% · 4.625%
HK$52,469
+HK$2,627/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,684/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,590
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,133
−HK$1,567/mo
Today · 4.125%
HK$52,700
baseline
▲ 0.50% · 4.625%
HK$55,906
+HK$3,206/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,400/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,168
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,648
−HK$1,501/mo
Today · 4.125%
HK$58,149
baseline
▲ 0.50% · 4.625%
HK$61,214
+HK$3,065/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,298/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,759
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,742
−HK$2,015/mo
Today · 4.125%
HK$67,757
baseline
▲ 0.50% · 4.625%
HK$71,880
+HK$4,123/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,514/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,931
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,833
−HK$1,930/mo
Today · 4.125%
HK$74,763
baseline
▲ 0.50% · 4.625%
HK$78,704
+HK$3,941/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,526/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,524 · Scale 2, in force from 26 Feb 2026)