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$35,431
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,533
−HK$1,120/mo
Today · 4.125%
HK$37,653
baseline
▲ 0.50% · 4.625%
HK$39,944
+HK$2,291/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,306/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,416
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,474
−HK$1,072/mo
Today · 4.125%
HK$41,546
baseline
▲ 0.50% · 4.625%
HK$43,736
+HK$2,190/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,092/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,517
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,840
−HK$1,343/mo
Today · 4.125%
HK$45,183
baseline
▲ 0.50% · 4.625%
HK$47,932
+HK$2,749/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$90,366/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,300
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,568
−HK$1,287/mo
Today · 4.125%
HK$49,855
baseline
▲ 0.50% · 4.625%
HK$52,483
+HK$2,628/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$99,710/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,603
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,146
−HK$1,568/mo
Today · 4.125%
HK$52,714
baseline
▲ 0.50% · 4.625%
HK$55,921
+HK$3,207/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,428/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,183
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,663
−HK$1,501/mo
Today · 4.125%
HK$58,164
baseline
▲ 0.50% · 4.625%
HK$61,230
+HK$3,066/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,328/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,775
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,759
−HK$2,016/mo
Today · 4.125%
HK$67,775
baseline
▲ 0.50% · 4.625%
HK$71,899
+HK$4,124/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,550/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,950
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,852
−HK$1,931/mo
Today · 4.125%
HK$74,783
baseline
▲ 0.50% · 4.625%
HK$78,725
+HK$3,942/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,566/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,679 · Scale 2, in force from 26 Feb 2026)