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$35,304
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,402
−HK$1,116/mo
Today · 4.125%
HK$37,518
baseline
▲ 0.50% · 4.625%
HK$39,801
+HK$2,283/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,036/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,276
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,329
−HK$1,069/mo
Today · 4.125%
HK$41,398
baseline
▲ 0.50% · 4.625%
HK$43,580
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,796/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,365
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,683
−HK$1,339/mo
Today · 4.125%
HK$45,022
baseline
▲ 0.50% · 4.625%
HK$47,761
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,044/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,131
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,395
−HK$1,282/mo
Today · 4.125%
HK$49,677
baseline
▲ 0.50% · 4.625%
HK$52,296
+HK$2,619/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,354/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,426
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,963
−HK$1,562/mo
Today · 4.125%
HK$52,525
baseline
▲ 0.50% · 4.625%
HK$55,722
+HK$3,197/mo
Deposit HK$4.64M · loan HK$10.84M · min. income ≈ HK$105,050/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,986
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,461
−HK$1,496/mo
Today · 4.125%
HK$57,957
baseline
▲ 0.50% · 4.625%
HK$61,012
+HK$3,055/mo
Deposit HK$4.64M · loan HK$10.84M · min. income ≈ HK$115,914/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,548
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,524
−HK$2,009/mo
Today · 4.125%
HK$67,533
baseline
▲ 0.50% · 4.625%
HK$71,642
+HK$4,109/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,066/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,696
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,592
−HK$1,924/mo
Today · 4.125%
HK$74,516
baseline
▲ 0.50% · 4.625%
HK$78,444
+HK$3,928/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$149,032/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,598 · Scale 2, in force from 26 Feb 2026)