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$35,448
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,551
−HK$1,120/mo
Today · 4.125%
HK$37,671
baseline
▲ 0.50% · 4.625%
HK$39,963
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,342/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$582,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,435
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,493
−HK$1,073/mo
Today · 4.125%
HK$41,566
baseline
▲ 0.50% · 4.625%
HK$43,757
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,132/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$582,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,537
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,861
−HK$1,344/mo
Today · 4.125%
HK$45,205
baseline
▲ 0.50% · 4.625%
HK$47,956
+HK$2,751/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,410/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,322
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,592
−HK$1,287/mo
Today · 4.125%
HK$49,879
baseline
▲ 0.50% · 4.625%
HK$52,508
+HK$2,629/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,758/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,627
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,171
−HK$1,568/mo
Today · 4.125%
HK$52,739
baseline
▲ 0.50% · 4.625%
HK$55,948
+HK$3,209/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,478/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,210
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,690
−HK$1,502/mo
Today · 4.125%
HK$58,192
baseline
▲ 0.50% · 4.625%
HK$61,260
+HK$3,068/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,384/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,806
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,791
−HK$2,016/mo
Today · 4.125%
HK$67,807
baseline
▲ 0.50% · 4.625%
HK$71,933
+HK$4,126/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,614/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,984
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,887
−HK$1,932/mo
Today · 4.125%
HK$74,819
baseline
▲ 0.50% · 4.625%
HK$78,763
+HK$3,944/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,638/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,959 · Scale 2, in force from 26 Feb 2026)