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$35,309
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,407
−HK$1,116/mo
Today · 4.125%
HK$37,523
baseline
▲ 0.50% · 4.625%
HK$39,806
+HK$2,283/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,046/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,281
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,334
−HK$1,069/mo
Today · 4.125%
HK$41,403
baseline
▲ 0.50% · 4.625%
HK$43,585
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,806/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,371
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,689
−HK$1,339/mo
Today · 4.125%
HK$45,028
baseline
▲ 0.50% · 4.625%
HK$47,768
+HK$2,740/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,056/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,137
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,401
−HK$1,283/mo
Today · 4.125%
HK$49,684
baseline
▲ 0.50% · 4.625%
HK$52,303
+HK$2,619/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,368/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,432
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,970
−HK$1,562/mo
Today · 4.125%
HK$52,532
baseline
▲ 0.50% · 4.625%
HK$55,729
+HK$3,197/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,064/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,993
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,468
−HK$1,496/mo
Today · 4.125%
HK$57,964
baseline
▲ 0.50% · 4.625%
HK$61,020
+HK$3,056/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,928/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,556
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,533
−HK$2,009/mo
Today · 4.125%
HK$67,542
baseline
▲ 0.50% · 4.625%
HK$71,651
+HK$4,109/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,084/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,705
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,602
−HK$1,923/mo
Today · 4.125%
HK$74,525
baseline
▲ 0.50% · 4.625%
HK$78,454
+HK$3,929/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,050/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,674 · Scale 2, in force from 26 Feb 2026)