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$35,432
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,534
−HK$1,120/mo
Today · 4.125%
HK$37,654
baseline
▲ 0.50% · 4.625%
HK$39,945
+HK$2,291/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,308/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,418
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,475
−HK$1,073/mo
Today · 4.125%
HK$41,548
baseline
▲ 0.50% · 4.625%
HK$43,738
+HK$2,190/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,096/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,519
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,841
−HK$1,344/mo
Today · 4.125%
HK$45,185
baseline
▲ 0.50% · 4.625%
HK$47,934
+HK$2,749/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$90,370/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,301
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,570
−HK$1,287/mo
Today · 4.125%
HK$49,857
baseline
▲ 0.50% · 4.625%
HK$52,485
+HK$2,628/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$99,714/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,605
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,148
−HK$1,568/mo
Today · 4.125%
HK$52,716
baseline
▲ 0.50% · 4.625%
HK$55,923
+HK$3,207/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,432/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,185
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,665
−HK$1,502/mo
Today · 4.125%
HK$58,167
baseline
▲ 0.50% · 4.625%
HK$61,233
+HK$3,066/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,334/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,778
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,762
−HK$2,015/mo
Today · 4.125%
HK$67,777
baseline
▲ 0.50% · 4.625%
HK$71,901
+HK$4,124/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,554/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,952
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,855
−HK$1,931/mo
Today · 4.125%
HK$74,786
baseline
▲ 0.50% · 4.625%
HK$78,728
+HK$3,942/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,572/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,701 · Scale 2, in force from 26 Feb 2026)