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$35,394
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,495
−HK$1,119/mo
Today · 4.125%
HK$37,614
baseline
▲ 0.50% · 4.625%
HK$39,903
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,228/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,376
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,432
−HK$1,071/mo
Today · 4.125%
HK$41,503
baseline
▲ 0.50% · 4.625%
HK$43,691
+HK$2,188/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,006/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,473
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,794
−HK$1,343/mo
Today · 4.125%
HK$45,137
baseline
▲ 0.50% · 4.625%
HK$47,883
+HK$2,746/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,274/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,251
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,518
−HK$1,286/mo
Today · 4.125%
HK$49,804
baseline
▲ 0.50% · 4.625%
HK$52,429
+HK$2,625/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,608/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,552
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,093
−HK$1,566/mo
Today · 4.125%
HK$52,659
baseline
▲ 0.50% · 4.625%
HK$55,864
+HK$3,205/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,318/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,126
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,605
−HK$1,499/mo
Today · 4.125%
HK$58,104
baseline
▲ 0.50% · 4.625%
HK$61,167
+HK$3,063/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,208/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,710
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,692
−HK$2,013/mo
Today · 4.125%
HK$67,705
baseline
▲ 0.50% · 4.625%
HK$71,825
+HK$4,120/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,410/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,877
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,777
−HK$1,929/mo
Today · 4.125%
HK$74,706
baseline
▲ 0.50% · 4.625%
HK$78,644
+HK$3,938/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,412/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,079 · Scale 2, in force from 26 Feb 2026)