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$35,434
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,536
−HK$1,120/mo
Today · 4.125%
HK$37,656
baseline
▲ 0.50% · 4.625%
HK$39,947
+HK$2,291/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,312/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,420
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,477
−HK$1,072/mo
Today · 4.125%
HK$41,549
baseline
▲ 0.50% · 4.625%
HK$43,740
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,098/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,521
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,843
−HK$1,344/mo
Today · 4.125%
HK$45,187
baseline
▲ 0.50% · 4.625%
HK$47,936
+HK$2,749/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$90,374/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,304
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,572
−HK$1,287/mo
Today · 4.125%
HK$49,859
baseline
▲ 0.50% · 4.625%
HK$52,487
+HK$2,628/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$99,718/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,607
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,150
−HK$1,568/mo
Today · 4.125%
HK$52,718
baseline
▲ 0.50% · 4.625%
HK$55,926
+HK$3,208/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,436/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,188
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,668
−HK$1,501/mo
Today · 4.125%
HK$58,169
baseline
▲ 0.50% · 4.625%
HK$61,235
+HK$3,066/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,338/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,781
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,765
−HK$2,015/mo
Today · 4.125%
HK$67,780
baseline
▲ 0.50% · 4.625%
HK$71,905
+HK$4,125/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,560/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,955
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,858
−HK$1,931/mo
Today · 4.125%
HK$74,789
baseline
▲ 0.50% · 4.625%
HK$78,731
+HK$3,942/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,578/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,727 · Scale 2, in force from 26 Feb 2026)