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$35,288
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,386
−HK$1,115/mo
Today · 4.125%
HK$37,501
baseline
▲ 0.50% · 4.625%
HK$39,783
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,002/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,258
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,311
−HK$1,068/mo
Today · 4.125%
HK$41,379
baseline
▲ 0.50% · 4.625%
HK$43,560
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,758/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,346
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,663
−HK$1,338/mo
Today · 4.125%
HK$45,001
baseline
▲ 0.50% · 4.625%
HK$47,740
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,002/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,109
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,373
−HK$1,282/mo
Today · 4.125%
HK$49,655
baseline
▲ 0.50% · 4.625%
HK$52,272
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,310/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,404
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,940
−HK$1,562/mo
Today · 4.125%
HK$52,502
baseline
▲ 0.50% · 4.625%
HK$55,696
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$105,004/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,961
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,435
−HK$1,495/mo
Today · 4.125%
HK$57,930
baseline
▲ 0.50% · 4.625%
HK$60,984
+HK$3,054/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,860/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,519
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,495
−HK$2,007/mo
Today · 4.125%
HK$67,502
baseline
▲ 0.50% · 4.625%
HK$71,609
+HK$4,107/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,004/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,664
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,559
−HK$1,923/mo
Today · 4.125%
HK$74,482
baseline
▲ 0.50% · 4.625%
HK$78,408
+HK$3,926/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,964/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,335 · Scale 2, in force from 26 Feb 2026)