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$35,483
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,587
−HK$1,121/mo
Today · 4.125%
HK$37,708
baseline
▲ 0.50% · 4.625%
HK$40,003
+HK$2,295/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,416/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,474
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,533
−HK$1,074/mo
Today · 4.125%
HK$41,607
baseline
▲ 0.50% · 4.625%
HK$43,800
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,214/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,580
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,904
−HK$1,346/mo
Today · 4.125%
HK$45,250
baseline
▲ 0.50% · 4.625%
HK$48,003
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$90,500/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,369
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,640
−HK$1,289/mo
Today · 4.125%
HK$49,929
baseline
▲ 0.50% · 4.625%
HK$52,560
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$99,858/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,676
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,221
−HK$1,570/mo
Today · 4.125%
HK$52,791
baseline
▲ 0.50% · 4.625%
HK$56,004
+HK$3,213/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,582/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,264
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,746
−HK$1,504/mo
Today · 4.125%
HK$58,250
baseline
▲ 0.50% · 4.625%
HK$61,320
+HK$3,070/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,500/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,869
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,856
−HK$2,019/mo
Today · 4.125%
HK$67,875
baseline
▲ 0.50% · 4.625%
HK$72,005
+HK$4,130/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,750/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,054
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,960
−HK$1,933/mo
Today · 4.125%
HK$74,893
baseline
▲ 0.50% · 4.625%
HK$78,841
+HK$3,948/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,786/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,536 · Scale 2, in force from 26 Feb 2026)