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$35,282
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,379
−HK$1,115/mo
Today · 4.125%
HK$37,494
baseline
▲ 0.50% · 4.625%
HK$39,776
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$74,988/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,251
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,303
−HK$1,068/mo
Today · 4.125%
HK$41,371
baseline
▲ 0.50% · 4.625%
HK$43,552
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,742/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,338
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,655
−HK$1,338/mo
Today · 4.125%
HK$44,993
baseline
▲ 0.50% · 4.625%
HK$47,731
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,986/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,101
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,364
−HK$1,281/mo
Today · 4.125%
HK$49,645
baseline
▲ 0.50% · 4.625%
HK$52,262
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,290/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,394
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,931
−HK$1,561/mo
Today · 4.125%
HK$52,492
baseline
▲ 0.50% · 4.625%
HK$55,686
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,984/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,951
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,425
−HK$1,495/mo
Today · 4.125%
HK$57,920
baseline
▲ 0.50% · 4.625%
HK$60,973
+HK$3,053/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,840/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,507
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,483
−HK$2,007/mo
Today · 4.125%
HK$67,490
baseline
▲ 0.50% · 4.625%
HK$71,596
+HK$4,106/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$134,980/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,651
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,546
−HK$1,922/mo
Today · 4.125%
HK$74,468
baseline
▲ 0.50% · 4.625%
HK$78,393
+HK$3,925/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,936/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,227 · Scale 2, in force from 26 Feb 2026)