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$35,394
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,495
−HK$1,118/mo
Today · 4.125%
HK$37,613
baseline
▲ 0.50% · 4.625%
HK$39,902
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,226/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,375
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,431
−HK$1,072/mo
Today · 4.125%
HK$41,503
baseline
▲ 0.50% · 4.625%
HK$43,690
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,006/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,473
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,794
−HK$1,342/mo
Today · 4.125%
HK$45,136
baseline
▲ 0.50% · 4.625%
HK$47,882
+HK$2,746/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,272/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,250
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,518
−HK$1,285/mo
Today · 4.125%
HK$49,803
baseline
▲ 0.50% · 4.625%
HK$52,428
+HK$2,625/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,606/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,551
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,093
−HK$1,566/mo
Today · 4.125%
HK$52,659
baseline
▲ 0.50% · 4.625%
HK$55,863
+HK$3,204/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,318/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,125
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,604
−HK$1,500/mo
Today · 4.125%
HK$58,104
baseline
▲ 0.50% · 4.625%
HK$61,166
+HK$3,062/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,208/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,709
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,691
−HK$2,013/mo
Today · 4.125%
HK$67,704
baseline
▲ 0.50% · 4.625%
HK$71,824
+HK$4,120/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,408/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,875
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,776
−HK$1,929/mo
Today · 4.125%
HK$74,705
baseline
▲ 0.50% · 4.625%
HK$78,642
+HK$3,937/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,410/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,070 · Scale 2, in force from 26 Feb 2026)