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$35,295
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,393
−HK$1,115/mo
Today · 4.125%
HK$37,508
baseline
▲ 0.50% · 4.625%
HK$39,791
+HK$2,283/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,016/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,265
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,318
−HK$1,069/mo
Today · 4.125%
HK$41,387
baseline
▲ 0.50% · 4.625%
HK$43,568
+HK$2,181/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$580,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,354
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,671
−HK$1,339/mo
Today · 4.125%
HK$45,010
baseline
▲ 0.50% · 4.625%
HK$47,749
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,020/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,118
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,382
−HK$1,282/mo
Today · 4.125%
HK$49,664
baseline
▲ 0.50% · 4.625%
HK$52,282
+HK$2,618/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,328/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,413
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,950
−HK$1,562/mo
Today · 4.125%
HK$52,512
baseline
▲ 0.50% · 4.625%
HK$55,707
+HK$3,195/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$105,024/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,971
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,446
−HK$1,495/mo
Today · 4.125%
HK$57,941
baseline
▲ 0.50% · 4.625%
HK$60,996
+HK$3,055/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,882/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,531
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,507
−HK$2,008/mo
Today · 4.125%
HK$67,515
baseline
▲ 0.50% · 4.625%
HK$71,623
+HK$4,108/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,030/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,678
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,573
−HK$1,923/mo
Today · 4.125%
HK$74,496
baseline
▲ 0.50% · 4.625%
HK$78,423
+HK$3,927/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,992/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,445 · Scale 2, in force from 26 Feb 2026)