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$35,474
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,578
−HK$1,121/mo
Today · 4.125%
HK$37,699
baseline
▲ 0.50% · 4.625%
HK$39,993
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,398/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,465
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,523
−HK$1,074/mo
Today · 4.125%
HK$41,597
baseline
▲ 0.50% · 4.625%
HK$43,790
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,194/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,569
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,894
−HK$1,345/mo
Today · 4.125%
HK$45,239
baseline
▲ 0.50% · 4.625%
HK$47,992
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,478/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,358
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,628
−HK$1,289/mo
Today · 4.125%
HK$49,917
baseline
▲ 0.50% · 4.625%
HK$52,548
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,834/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,664
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,209
−HK$1,570/mo
Today · 4.125%
HK$52,779
baseline
▲ 0.50% · 4.625%
HK$55,990
+HK$3,211/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,558/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,251
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,733
−HK$1,503/mo
Today · 4.125%
HK$58,236
baseline
▲ 0.50% · 4.625%
HK$61,306
+HK$3,070/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,472/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,854
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,840
−HK$2,018/mo
Today · 4.125%
HK$67,858
baseline
▲ 0.50% · 4.625%
HK$71,987
+HK$4,129/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,716/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,037
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,942
−HK$1,933/mo
Today · 4.125%
HK$74,875
baseline
▲ 0.50% · 4.625%
HK$78,822
+HK$3,947/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,750/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,397 · Scale 2, in force from 26 Feb 2026)