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$35,449
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,552
−HK$1,120/mo
Today · 4.125%
HK$37,672
baseline
▲ 0.50% · 4.625%
HK$39,965
+HK$2,293/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,344/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$582,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,437
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,495
−HK$1,073/mo
Today · 4.125%
HK$41,568
baseline
▲ 0.50% · 4.625%
HK$43,759
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,136/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$582,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,539
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,862
−HK$1,345/mo
Today · 4.125%
HK$45,207
baseline
▲ 0.50% · 4.625%
HK$47,958
+HK$2,751/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,414/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,325
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,594
−HK$1,287/mo
Today · 4.125%
HK$49,881
baseline
▲ 0.50% · 4.625%
HK$52,511
+HK$2,630/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,762/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,629
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,173
−HK$1,568/mo
Today · 4.125%
HK$52,741
baseline
▲ 0.50% · 4.625%
HK$55,951
+HK$3,210/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,482/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,212
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,693
−HK$1,502/mo
Today · 4.125%
HK$58,195
baseline
▲ 0.50% · 4.625%
HK$61,262
+HK$3,067/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,390/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,809
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,794
−HK$2,016/mo
Today · 4.125%
HK$67,810
baseline
▲ 0.50% · 4.625%
HK$71,936
+HK$4,126/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,620/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,987
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,891
−HK$1,931/mo
Today · 4.125%
HK$74,822
baseline
▲ 0.50% · 4.625%
HK$78,766
+HK$3,944/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,644/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,984 · Scale 2, in force from 26 Feb 2026)