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$35,318
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,417
−HK$1,116/mo
Today · 4.125%
HK$37,533
baseline
▲ 0.50% · 4.625%
HK$39,816
+HK$2,283/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,066/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,291
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,345
−HK$1,069/mo
Today · 4.125%
HK$41,414
baseline
▲ 0.50% · 4.625%
HK$43,597
+HK$2,183/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,828/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,382
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,700
−HK$1,339/mo
Today · 4.125%
HK$45,039
baseline
▲ 0.50% · 4.625%
HK$47,780
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$90,078/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,149
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,414
−HK$1,282/mo
Today · 4.125%
HK$49,696
baseline
▲ 0.50% · 4.625%
HK$52,316
+HK$2,620/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$99,392/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,445
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,983
−HK$1,563/mo
Today · 4.125%
HK$52,546
baseline
▲ 0.50% · 4.625%
HK$55,743
+HK$3,197/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,092/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,007
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,482
−HK$1,497/mo
Today · 4.125%
HK$57,979
baseline
▲ 0.50% · 4.625%
HK$61,035
+HK$3,056/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,958/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,572
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,550
−HK$2,009/mo
Today · 4.125%
HK$67,559
baseline
▲ 0.50% · 4.625%
HK$71,670
+HK$4,111/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,118/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,724
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,620
−HK$1,925/mo
Today · 4.125%
HK$74,545
baseline
▲ 0.50% · 4.625%
HK$78,474
+HK$3,929/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,090/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,823 · Scale 2, in force from 26 Feb 2026)