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$35,296
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,393
−HK$1,116/mo
Today · 4.125%
HK$37,509
baseline
▲ 0.50% · 4.625%
HK$39,791
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,018/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,266
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,319
−HK$1,068/mo
Today · 4.125%
HK$41,387
baseline
▲ 0.50% · 4.625%
HK$43,569
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,774/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,355
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,672
−HK$1,339/mo
Today · 4.125%
HK$45,011
baseline
▲ 0.50% · 4.625%
HK$47,749
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,022/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,119
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,383
−HK$1,282/mo
Today · 4.125%
HK$49,665
baseline
▲ 0.50% · 4.625%
HK$52,283
+HK$2,618/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,330/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,414
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,951
−HK$1,561/mo
Today · 4.125%
HK$52,512
baseline
▲ 0.50% · 4.625%
HK$55,708
+HK$3,196/mo
Deposit HK$4.64M · loan HK$10.84M · min. income ≈ HK$105,024/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,972
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,447
−HK$1,495/mo
Today · 4.125%
HK$57,942
baseline
▲ 0.50% · 4.625%
HK$60,997
+HK$3,055/mo
Deposit HK$4.64M · loan HK$10.84M · min. income ≈ HK$115,884/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,532
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,508
−HK$2,008/mo
Today · 4.125%
HK$67,516
baseline
▲ 0.50% · 4.625%
HK$71,624
+HK$4,108/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,032/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,679
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,574
−HK$1,923/mo
Today · 4.125%
HK$74,497
baseline
▲ 0.50% · 4.625%
HK$78,424
+HK$3,927/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,994/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,454 · Scale 2, in force from 26 Feb 2026)