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$35,314
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,413
−HK$1,116/mo
Today · 4.125%
HK$37,529
baseline
▲ 0.50% · 4.625%
HK$39,812
+HK$2,283/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,058/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,287
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,340
−HK$1,069/mo
Today · 4.125%
HK$41,409
baseline
▲ 0.50% · 4.625%
HK$43,592
+HK$2,183/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,818/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,377
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,695
−HK$1,340/mo
Today · 4.125%
HK$45,035
baseline
▲ 0.50% · 4.625%
HK$47,775
+HK$2,740/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,070/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,144
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,409
−HK$1,282/mo
Today · 4.125%
HK$49,691
baseline
▲ 0.50% · 4.625%
HK$52,311
+HK$2,620/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,382/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,440
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,978
−HK$1,562/mo
Today · 4.125%
HK$52,540
baseline
▲ 0.50% · 4.625%
HK$55,737
+HK$3,197/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,080/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,002
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,477
−HK$1,496/mo
Today · 4.125%
HK$57,973
baseline
▲ 0.50% · 4.625%
HK$61,029
+HK$3,056/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,946/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,566
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,543
−HK$2,009/mo
Today · 4.125%
HK$67,552
baseline
▲ 0.50% · 4.625%
HK$71,662
+HK$4,110/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,104/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,716
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,613
−HK$1,924/mo
Today · 4.125%
HK$74,537
baseline
▲ 0.50% · 4.625%
HK$78,466
+HK$3,929/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,074/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,763 · Scale 2, in force from 26 Feb 2026)