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$35,380
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,481
−HK$1,118/mo
Today · 4.125%
HK$37,599
baseline
▲ 0.50% · 4.625%
HK$39,887
+HK$2,288/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,198/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,360
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,416
−HK$1,071/mo
Today · 4.125%
HK$41,487
baseline
▲ 0.50% · 4.625%
HK$43,674
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,974/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,456
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,777
−HK$1,342/mo
Today · 4.125%
HK$45,119
baseline
▲ 0.50% · 4.625%
HK$47,864
+HK$2,745/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,238/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,232
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,499
−HK$1,285/mo
Today · 4.125%
HK$49,784
baseline
▲ 0.50% · 4.625%
HK$52,408
+HK$2,624/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,568/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,532
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,073
−HK$1,566/mo
Today · 4.125%
HK$52,639
baseline
▲ 0.50% · 4.625%
HK$55,841
+HK$3,202/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,278/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,104
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,582
−HK$1,499/mo
Today · 4.125%
HK$58,081
baseline
▲ 0.50% · 4.625%
HK$61,143
+HK$3,062/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,162/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,685
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,665
−HK$2,013/mo
Today · 4.125%
HK$67,678
baseline
▲ 0.50% · 4.625%
HK$71,796
+HK$4,118/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,356/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,848
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,749
−HK$1,927/mo
Today · 4.125%
HK$74,676
baseline
▲ 0.50% · 4.625%
HK$78,612
+HK$3,936/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,352/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,848 · Scale 2, in force from 26 Feb 2026)