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$35,465
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,568
−HK$1,121/mo
Today · 4.125%
HK$37,689
baseline
▲ 0.50% · 4.625%
HK$39,982
+HK$2,293/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,378/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,455
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,513
−HK$1,073/mo
Today · 4.125%
HK$41,586
baseline
▲ 0.50% · 4.625%
HK$43,778
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,172/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,558
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,882
−HK$1,345/mo
Today · 4.125%
HK$45,227
baseline
▲ 0.50% · 4.625%
HK$47,979
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,454/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,345
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,615
−HK$1,288/mo
Today · 4.125%
HK$49,903
baseline
▲ 0.50% · 4.625%
HK$52,534
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,806/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,651
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,196
−HK$1,569/mo
Today · 4.125%
HK$52,765
baseline
▲ 0.50% · 4.625%
HK$55,975
+HK$3,210/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,530/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,236
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,718
−HK$1,503/mo
Today · 4.125%
HK$58,221
baseline
▲ 0.50% · 4.625%
HK$61,290
+HK$3,069/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,442/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,837
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,823
−HK$2,017/mo
Today · 4.125%
HK$67,840
baseline
▲ 0.50% · 4.625%
HK$71,968
+HK$4,128/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,680/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,018
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,923
−HK$1,932/mo
Today · 4.125%
HK$74,855
baseline
▲ 0.50% · 4.625%
HK$78,801
+HK$3,946/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,710/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,243 · Scale 2, in force from 26 Feb 2026)