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$35,315
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,414
−HK$1,116/mo
Today · 4.125%
HK$37,530
baseline
▲ 0.50% · 4.625%
HK$39,813
+HK$2,283/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,060/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,288
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,341
−HK$1,069/mo
Today · 4.125%
HK$41,410
baseline
▲ 0.50% · 4.625%
HK$43,593
+HK$2,183/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,820/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,378
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,696
−HK$1,340/mo
Today · 4.125%
HK$45,036
baseline
▲ 0.50% · 4.625%
HK$47,776
+HK$2,740/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,072/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,145
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,410
−HK$1,282/mo
Today · 4.125%
HK$49,692
baseline
▲ 0.50% · 4.625%
HK$52,312
+HK$2,620/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,384/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,441
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,979
−HK$1,563/mo
Today · 4.125%
HK$52,542
baseline
▲ 0.50% · 4.625%
HK$55,739
+HK$3,197/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,084/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,003
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,478
−HK$1,496/mo
Today · 4.125%
HK$57,974
baseline
▲ 0.50% · 4.625%
HK$61,030
+HK$3,056/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,948/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,567
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,545
−HK$2,008/mo
Today · 4.125%
HK$67,553
baseline
▲ 0.50% · 4.625%
HK$71,664
+HK$4,111/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,106/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,718
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,615
−HK$1,924/mo
Today · 4.125%
HK$74,539
baseline
▲ 0.50% · 4.625%
HK$78,468
+HK$3,929/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,078/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,776 · Scale 2, in force from 26 Feb 2026)