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$35,431
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,533
−HK$1,120/mo
Today · 4.125%
HK$37,653
baseline
▲ 0.50% · 4.625%
HK$39,944
+HK$2,291/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,306/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,417
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,474
−HK$1,073/mo
Today · 4.125%
HK$41,547
baseline
▲ 0.50% · 4.625%
HK$43,736
+HK$2,189/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,094/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,518
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,840
−HK$1,344/mo
Today · 4.125%
HK$45,184
baseline
▲ 0.50% · 4.625%
HK$47,933
+HK$2,749/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$90,368/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,300
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,569
−HK$1,287/mo
Today · 4.125%
HK$49,856
baseline
▲ 0.50% · 4.625%
HK$52,484
+HK$2,628/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$99,712/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,604
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,147
−HK$1,567/mo
Today · 4.125%
HK$52,714
baseline
▲ 0.50% · 4.625%
HK$55,922
+HK$3,208/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,428/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,184
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,664
−HK$1,501/mo
Today · 4.125%
HK$58,165
baseline
▲ 0.50% · 4.625%
HK$61,231
+HK$3,066/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,330/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,776
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,760
−HK$2,016/mo
Today · 4.125%
HK$67,776
baseline
▲ 0.50% · 4.625%
HK$71,900
+HK$4,124/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,552/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,950
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,853
−HK$1,931/mo
Today · 4.125%
HK$74,784
baseline
▲ 0.50% · 4.625%
HK$78,726
+HK$3,942/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,568/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,686 · Scale 2, in force from 26 Feb 2026)