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$35,396
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,497
−HK$1,119/mo
Today · 4.125%
HK$37,616
baseline
▲ 0.50% · 4.625%
HK$39,905
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,232/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,378
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,434
−HK$1,071/mo
Today · 4.125%
HK$41,505
baseline
▲ 0.50% · 4.625%
HK$43,693
+HK$2,188/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,010/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,475
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,796
−HK$1,343/mo
Today · 4.125%
HK$45,139
baseline
▲ 0.50% · 4.625%
HK$47,885
+HK$2,746/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,278/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,253
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,521
−HK$1,285/mo
Today · 4.125%
HK$49,806
baseline
▲ 0.50% · 4.625%
HK$52,432
+HK$2,626/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,612/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,554
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,096
−HK$1,566/mo
Today · 4.125%
HK$52,662
baseline
▲ 0.50% · 4.625%
HK$55,866
+HK$3,204/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,324/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,129
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,607
−HK$1,500/mo
Today · 4.125%
HK$58,107
baseline
▲ 0.50% · 4.625%
HK$61,170
+HK$3,063/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,214/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,713
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,695
−HK$2,013/mo
Today · 4.125%
HK$67,708
baseline
▲ 0.50% · 4.625%
HK$71,828
+HK$4,120/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,416/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,880
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,781
−HK$1,928/mo
Today · 4.125%
HK$74,709
baseline
▲ 0.50% · 4.625%
HK$78,647
+HK$3,938/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,418/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,107 · Scale 2, in force from 26 Feb 2026)