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$35,454
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,557
−HK$1,121/mo
Today · 4.125%
HK$37,678
baseline
▲ 0.50% · 4.625%
HK$39,970
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,356/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,442
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,500
−HK$1,073/mo
Today · 4.125%
HK$41,573
baseline
▲ 0.50% · 4.625%
HK$43,765
+HK$2,192/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,146/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,545
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,868
−HK$1,345/mo
Today · 4.125%
HK$45,213
baseline
▲ 0.50% · 4.625%
HK$47,964
+HK$2,751/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,426/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,331
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,600
−HK$1,288/mo
Today · 4.125%
HK$49,888
baseline
▲ 0.50% · 4.625%
HK$52,518
+HK$2,630/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,776/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,636
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,180
−HK$1,569/mo
Today · 4.125%
HK$52,749
baseline
▲ 0.50% · 4.625%
HK$55,958
+HK$3,209/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,498/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,219
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,700
−HK$1,503/mo
Today · 4.125%
HK$58,203
baseline
▲ 0.50% · 4.625%
HK$61,271
+HK$3,068/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,406/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,818
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,803
−HK$2,017/mo
Today · 4.125%
HK$67,820
baseline
▲ 0.50% · 4.625%
HK$71,946
+HK$4,126/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,640/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,996
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,901
−HK$1,931/mo
Today · 4.125%
HK$74,832
baseline
▲ 0.50% · 4.625%
HK$78,777
+HK$3,945/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,664/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,064 · Scale 2, in force from 26 Feb 2026)