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$35,479
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,583
−HK$1,121/mo
Today · 4.125%
HK$37,704
baseline
▲ 0.50% · 4.625%
HK$39,998
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,408/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,470
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,529
−HK$1,074/mo
Today · 4.125%
HK$41,603
baseline
▲ 0.50% · 4.625%
HK$43,796
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,206/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,575
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,899
−HK$1,346/mo
Today · 4.125%
HK$45,245
baseline
▲ 0.50% · 4.625%
HK$47,998
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$90,490/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,364
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,634
−HK$1,289/mo
Today · 4.125%
HK$49,923
baseline
▲ 0.50% · 4.625%
HK$52,555
+HK$2,632/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$99,846/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,671
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,216
−HK$1,570/mo
Today · 4.125%
HK$52,786
baseline
▲ 0.50% · 4.625%
HK$55,997
+HK$3,211/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,572/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,258
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,740
−HK$1,504/mo
Today · 4.125%
HK$58,244
baseline
▲ 0.50% · 4.625%
HK$61,314
+HK$3,070/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,488/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,862
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,849
−HK$2,018/mo
Today · 4.125%
HK$67,867
baseline
▲ 0.50% · 4.625%
HK$71,997
+HK$4,130/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,734/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,046
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,952
−HK$1,933/mo
Today · 4.125%
HK$74,885
baseline
▲ 0.50% · 4.625%
HK$78,832
+HK$3,947/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,770/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,473 · Scale 2, in force from 26 Feb 2026)