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$35,313
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,411
−HK$1,116/mo
Today · 4.125%
HK$37,527
baseline
▲ 0.50% · 4.625%
HK$39,811
+HK$2,284/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,054/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,285
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,339
−HK$1,069/mo
Today · 4.125%
HK$41,408
baseline
▲ 0.50% · 4.625%
HK$43,590
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,816/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,376
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,694
−HK$1,339/mo
Today · 4.125%
HK$45,033
baseline
▲ 0.50% · 4.625%
HK$47,773
+HK$2,740/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,066/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,142
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,407
−HK$1,282/mo
Today · 4.125%
HK$49,689
baseline
▲ 0.50% · 4.625%
HK$52,309
+HK$2,620/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,378/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,438
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,976
−HK$1,562/mo
Today · 4.125%
HK$52,538
baseline
▲ 0.50% · 4.625%
HK$55,735
+HK$3,197/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,076/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,999
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,474
−HK$1,497/mo
Today · 4.125%
HK$57,971
baseline
▲ 0.50% · 4.625%
HK$61,027
+HK$3,056/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,942/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,563
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,540
−HK$2,009/mo
Today · 4.125%
HK$67,549
baseline
▲ 0.50% · 4.625%
HK$71,660
+HK$4,111/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,098/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,714
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,610
−HK$1,924/mo
Today · 4.125%
HK$74,534
baseline
▲ 0.50% · 4.625%
HK$78,463
+HK$3,929/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,068/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,740 · Scale 2, in force from 26 Feb 2026)