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$35,419
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,520
−HK$1,120/mo
Today · 4.125%
HK$37,640
baseline
▲ 0.50% · 4.625%
HK$39,930
+HK$2,290/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,280/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,403
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,460
−HK$1,072/mo
Today · 4.125%
HK$41,532
baseline
▲ 0.50% · 4.625%
HK$43,721
+HK$2,189/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,064/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,502
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,824
−HK$1,343/mo
Today · 4.125%
HK$45,167
baseline
▲ 0.50% · 4.625%
HK$47,916
+HK$2,749/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,334/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,283
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,551
−HK$1,287/mo
Today · 4.125%
HK$49,838
baseline
▲ 0.50% · 4.625%
HK$52,465
+HK$2,627/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,676/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,586
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,128
−HK$1,567/mo
Today · 4.125%
HK$52,695
baseline
▲ 0.50% · 4.625%
HK$55,902
+HK$3,207/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,390/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,164
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,643
−HK$1,501/mo
Today · 4.125%
HK$58,144
baseline
▲ 0.50% · 4.625%
HK$61,209
+HK$3,065/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,288/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,753
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,736
−HK$2,015/mo
Today · 4.125%
HK$67,751
baseline
▲ 0.50% · 4.625%
HK$71,874
+HK$4,123/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,502/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,925
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,827
−HK$1,930/mo
Today · 4.125%
HK$74,757
baseline
▲ 0.50% · 4.625%
HK$78,697
+HK$3,940/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,514/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,476 · Scale 2, in force from 26 Feb 2026)