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$35,461
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,564
−HK$1,121/mo
Today · 4.125%
HK$37,685
baseline
▲ 0.50% · 4.625%
HK$39,978
+HK$2,293/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,370/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,450
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,508
−HK$1,073/mo
Today · 4.125%
HK$41,581
baseline
▲ 0.50% · 4.625%
HK$43,773
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,162/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,553
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,877
−HK$1,345/mo
Today · 4.125%
HK$45,222
baseline
▲ 0.50% · 4.625%
HK$47,973
+HK$2,751/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,444/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,340
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,609
−HK$1,288/mo
Today · 4.125%
HK$49,897
baseline
▲ 0.50% · 4.625%
HK$52,528
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,794/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,645
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,189
−HK$1,569/mo
Today · 4.125%
HK$52,758
baseline
▲ 0.50% · 4.625%
HK$55,969
+HK$3,211/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,516/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,230
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,711
−HK$1,503/mo
Today · 4.125%
HK$58,214
baseline
▲ 0.50% · 4.625%
HK$61,282
+HK$3,068/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,428/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,830
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,815
−HK$2,017/mo
Today · 4.125%
HK$67,832
baseline
▲ 0.50% · 4.625%
HK$71,960
+HK$4,128/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,664/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,010
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,914
−HK$1,932/mo
Today · 4.125%
HK$74,846
baseline
▲ 0.50% · 4.625%
HK$78,791
+HK$3,945/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,692/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,173 · Scale 2, in force from 26 Feb 2026)