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$35,280
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,378
−HK$1,114/mo
Today · 4.125%
HK$37,492
baseline
▲ 0.50% · 4.625%
HK$39,774
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$74,984/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,249
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,301
−HK$1,068/mo
Today · 4.125%
HK$41,369
baseline
▲ 0.50% · 4.625%
HK$43,550
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,738/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,336
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,653
−HK$1,338/mo
Today · 4.125%
HK$44,991
baseline
▲ 0.50% · 4.625%
HK$47,729
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,982/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,098
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,362
−HK$1,281/mo
Today · 4.125%
HK$49,643
baseline
▲ 0.50% · 4.625%
HK$52,260
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,286/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,392
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,929
−HK$1,560/mo
Today · 4.125%
HK$52,489
baseline
▲ 0.50% · 4.625%
HK$55,683
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,978/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,948
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,422
−HK$1,495/mo
Today · 4.125%
HK$57,917
baseline
▲ 0.50% · 4.625%
HK$60,970
+HK$3,053/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,834/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,504
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,480
−HK$2,006/mo
Today · 4.125%
HK$67,486
baseline
▲ 0.50% · 4.625%
HK$71,593
+HK$4,107/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,972/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,648
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,542
−HK$1,923/mo
Today · 4.125%
HK$74,465
baseline
▲ 0.50% · 4.625%
HK$78,390
+HK$3,925/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,930/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,200 · Scale 2, in force from 26 Feb 2026)