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$35,473
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,577
−HK$1,121/mo
Today · 4.125%
HK$37,698
baseline
▲ 0.50% · 4.625%
HK$39,992
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,396/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,464
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,522
−HK$1,074/mo
Today · 4.125%
HK$41,596
baseline
▲ 0.50% · 4.625%
HK$43,788
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,192/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,568
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,892
−HK$1,345/mo
Today · 4.125%
HK$45,237
baseline
▲ 0.50% · 4.625%
HK$47,990
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,474/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,356
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,627
−HK$1,288/mo
Today · 4.125%
HK$49,915
baseline
▲ 0.50% · 4.625%
HK$52,546
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,830/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,663
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,207
−HK$1,570/mo
Today · 4.125%
HK$52,777
baseline
▲ 0.50% · 4.625%
HK$55,988
+HK$3,211/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,554/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,249
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,731
−HK$1,503/mo
Today · 4.125%
HK$58,234
baseline
▲ 0.50% · 4.625%
HK$61,304
+HK$3,070/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,468/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,852
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,838
−HK$2,018/mo
Today · 4.125%
HK$67,856
baseline
▲ 0.50% · 4.625%
HK$71,985
+HK$4,129/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,712/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,035
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,940
−HK$1,932/mo
Today · 4.125%
HK$74,872
baseline
▲ 0.50% · 4.625%
HK$78,819
+HK$3,947/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,744/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,378 · Scale 2, in force from 26 Feb 2026)