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$35,458
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,561
−HK$1,121/mo
Today · 4.125%
HK$37,682
baseline
▲ 0.50% · 4.625%
HK$39,975
+HK$2,293/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,364/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,447
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,505
−HK$1,073/mo
Today · 4.125%
HK$41,578
baseline
▲ 0.50% · 4.625%
HK$43,770
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,156/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,550
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,873
−HK$1,345/mo
Today · 4.125%
HK$45,218
baseline
▲ 0.50% · 4.625%
HK$47,969
+HK$2,751/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,436/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,336
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,606
−HK$1,288/mo
Today · 4.125%
HK$49,894
baseline
▲ 0.50% · 4.625%
HK$52,524
+HK$2,630/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,788/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,641
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,186
−HK$1,568/mo
Today · 4.125%
HK$52,754
baseline
▲ 0.50% · 4.625%
HK$55,964
+HK$3,210/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,508/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,226
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,707
−HK$1,502/mo
Today · 4.125%
HK$58,209
baseline
▲ 0.50% · 4.625%
HK$61,277
+HK$3,068/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,418/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,825
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,810
−HK$2,017/mo
Today · 4.125%
HK$67,827
baseline
▲ 0.50% · 4.625%
HK$71,954
+HK$4,127/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,654/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,004
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,909
−HK$1,931/mo
Today · 4.125%
HK$74,840
baseline
▲ 0.50% · 4.625%
HK$78,785
+HK$3,945/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,680/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,128 · Scale 2, in force from 26 Feb 2026)