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$35,418
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,519
−HK$1,120/mo
Today · 4.125%
HK$37,639
baseline
▲ 0.50% · 4.625%
HK$39,929
+HK$2,290/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,278/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,402
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,459
−HK$1,072/mo
Today · 4.125%
HK$41,531
baseline
▲ 0.50% · 4.625%
HK$43,720
+HK$2,189/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,062/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,501
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,823
−HK$1,344/mo
Today · 4.125%
HK$45,167
baseline
▲ 0.50% · 4.625%
HK$47,915
+HK$2,748/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$582,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,282
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,550
−HK$1,287/mo
Today · 4.125%
HK$49,837
baseline
▲ 0.50% · 4.625%
HK$52,464
+HK$2,627/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,674/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,585
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,127
−HK$1,567/mo
Today · 4.125%
HK$52,694
baseline
▲ 0.50% · 4.625%
HK$55,901
+HK$3,207/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,388/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,163
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,642
−HK$1,501/mo
Today · 4.125%
HK$58,143
baseline
▲ 0.50% · 4.625%
HK$61,208
+HK$3,065/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,286/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,752
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,735
−HK$2,015/mo
Today · 4.125%
HK$67,750
baseline
▲ 0.50% · 4.625%
HK$71,872
+HK$4,122/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,500/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,923
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,826
−HK$1,929/mo
Today · 4.125%
HK$74,755
baseline
▲ 0.50% · 4.625%
HK$78,696
+HK$3,941/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,510/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,464 · Scale 2, in force from 26 Feb 2026)