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$35,424
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,525
−HK$1,120/mo
Today · 4.125%
HK$37,645
baseline
▲ 0.50% · 4.625%
HK$39,935
+HK$2,290/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,290/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,408
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,465
−HK$1,072/mo
Today · 4.125%
HK$41,537
baseline
▲ 0.50% · 4.625%
HK$43,727
+HK$2,190/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,074/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,508
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,830
−HK$1,344/mo
Today · 4.125%
HK$45,174
baseline
▲ 0.50% · 4.625%
HK$47,923
+HK$2,749/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,348/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,290
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,558
−HK$1,287/mo
Today · 4.125%
HK$49,845
baseline
▲ 0.50% · 4.625%
HK$52,472
+HK$2,627/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,690/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,593
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,136
−HK$1,567/mo
Today · 4.125%
HK$52,703
baseline
▲ 0.50% · 4.625%
HK$55,910
+HK$3,207/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,406/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,172
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,651
−HK$1,501/mo
Today · 4.125%
HK$58,152
baseline
▲ 0.50% · 4.625%
HK$61,218
+HK$3,066/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,304/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,762
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,746
−HK$2,015/mo
Today · 4.125%
HK$67,761
baseline
▲ 0.50% · 4.625%
HK$71,884
+HK$4,123/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,522/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,935
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,837
−HK$1,930/mo
Today · 4.125%
HK$74,767
baseline
▲ 0.50% · 4.625%
HK$78,708
+HK$3,941/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,534/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,559 · Scale 2, in force from 26 Feb 2026)