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$35,275
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,372
−HK$1,115/mo
Today · 4.125%
HK$37,487
baseline
▲ 0.50% · 4.625%
HK$39,768
+HK$2,281/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,974/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$580,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,243
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,295
−HK$1,068/mo
Today · 4.125%
HK$41,363
baseline
▲ 0.50% · 4.625%
HK$43,543
+HK$2,180/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,726/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$580,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,330
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,646
−HK$1,338/mo
Today · 4.125%
HK$44,984
baseline
▲ 0.50% · 4.625%
HK$47,721
+HK$2,737/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,968/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,091
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,354
−HK$1,281/mo
Today · 4.125%
HK$49,635
baseline
▲ 0.50% · 4.625%
HK$52,252
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,270/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,384
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,921
−HK$1,560/mo
Today · 4.125%
HK$52,481
baseline
▲ 0.50% · 4.625%
HK$55,675
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,962/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,940
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,413
−HK$1,495/mo
Today · 4.125%
HK$57,908
baseline
▲ 0.50% · 4.625%
HK$60,960
+HK$3,052/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,816/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,494
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,469
−HK$2,007/mo
Today · 4.125%
HK$67,476
baseline
▲ 0.50% · 4.625%
HK$71,582
+HK$4,106/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,952/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,637
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,531
−HK$1,922/mo
Today · 4.125%
HK$74,453
baseline
▲ 0.50% · 4.625%
HK$78,378
+HK$3,925/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,906/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,110 · Scale 2, in force from 26 Feb 2026)