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$35,293
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,391
−HK$1,115/mo
Today · 4.125%
HK$37,506
baseline
▲ 0.50% · 4.625%
HK$39,788
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,012/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,263
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,316
−HK$1,068/mo
Today · 4.125%
HK$41,384
baseline
▲ 0.50% · 4.625%
HK$43,566
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,768/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,351
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,669
−HK$1,338/mo
Today · 4.125%
HK$45,007
baseline
▲ 0.50% · 4.625%
HK$47,746
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,014/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,115
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,379
−HK$1,282/mo
Today · 4.125%
HK$49,661
baseline
▲ 0.50% · 4.625%
HK$52,279
+HK$2,618/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,322/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,410
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,947
−HK$1,561/mo
Today · 4.125%
HK$52,508
baseline
▲ 0.50% · 4.625%
HK$55,703
+HK$3,195/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$105,016/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,968
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,442
−HK$1,496/mo
Today · 4.125%
HK$57,938
baseline
▲ 0.50% · 4.625%
HK$60,992
+HK$3,054/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,876/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,527
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,503
−HK$2,008/mo
Today · 4.125%
HK$67,511
baseline
▲ 0.50% · 4.625%
HK$71,619
+HK$4,108/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,022/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,673
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,569
−HK$1,922/mo
Today · 4.125%
HK$74,491
baseline
▲ 0.50% · 4.625%
HK$78,418
+HK$3,927/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,982/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,408 · Scale 2, in force from 26 Feb 2026)