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$35,420
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,522
−HK$1,119/mo
Today · 4.125%
HK$37,641
baseline
▲ 0.50% · 4.625%
HK$39,932
+HK$2,291/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,282/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,405
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,461
−HK$1,072/mo
Today · 4.125%
HK$41,533
baseline
▲ 0.50% · 4.625%
HK$43,723
+HK$2,190/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,066/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,504
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,826
−HK$1,344/mo
Today · 4.125%
HK$45,170
baseline
▲ 0.50% · 4.625%
HK$47,918
+HK$2,748/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,340/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,285
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,554
−HK$1,286/mo
Today · 4.125%
HK$49,840
baseline
▲ 0.50% · 4.625%
HK$52,467
+HK$2,627/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,680/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,588
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,131
−HK$1,567/mo
Today · 4.125%
HK$52,698
baseline
▲ 0.50% · 4.625%
HK$55,904
+HK$3,206/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,396/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,166
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,646
−HK$1,501/mo
Today · 4.125%
HK$58,147
baseline
▲ 0.50% · 4.625%
HK$61,212
+HK$3,065/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,294/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,756
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,739
−HK$2,015/mo
Today · 4.125%
HK$67,754
baseline
▲ 0.50% · 4.625%
HK$71,877
+HK$4,123/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,508/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,928
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,830
−HK$1,930/mo
Today · 4.125%
HK$74,760
baseline
▲ 0.50% · 4.625%
HK$78,701
+HK$3,941/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,520/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,502 · Scale 2, in force from 26 Feb 2026)