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$35,465
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,568
−HK$1,120/mo
Today · 4.125%
HK$37,688
baseline
▲ 0.50% · 4.625%
HK$39,982
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,376/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,454
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,512
−HK$1,074/mo
Today · 4.125%
HK$41,586
baseline
▲ 0.50% · 4.625%
HK$43,778
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,172/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,557
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,881
−HK$1,345/mo
Today · 4.125%
HK$45,226
baseline
▲ 0.50% · 4.625%
HK$47,978
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,452/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,345
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,614
−HK$1,289/mo
Today · 4.125%
HK$49,903
baseline
▲ 0.50% · 4.625%
HK$52,533
+HK$2,630/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,806/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,650
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,195
−HK$1,569/mo
Today · 4.125%
HK$52,764
baseline
▲ 0.50% · 4.625%
HK$55,974
+HK$3,210/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,528/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,236
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,717
−HK$1,503/mo
Today · 4.125%
HK$58,220
baseline
▲ 0.50% · 4.625%
HK$61,289
+HK$3,069/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,440/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,836
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,822
−HK$2,017/mo
Today · 4.125%
HK$67,839
baseline
▲ 0.50% · 4.625%
HK$71,967
+HK$4,128/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,678/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,017
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,922
−HK$1,932/mo
Today · 4.125%
HK$74,854
baseline
▲ 0.50% · 4.625%
HK$78,800
+HK$3,946/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,708/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,233 · Scale 2, in force from 26 Feb 2026)