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$35,373
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,473
−HK$1,118/mo
Today · 4.125%
HK$37,591
baseline
▲ 0.50% · 4.625%
HK$39,878
+HK$2,287/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,182/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,352
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,407
−HK$1,071/mo
Today · 4.125%
HK$41,478
baseline
▲ 0.50% · 4.625%
HK$43,664
+HK$2,186/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,956/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,447
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,767
−HK$1,342/mo
Today · 4.125%
HK$45,109
baseline
▲ 0.50% · 4.625%
HK$47,854
+HK$2,745/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,218/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,222
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,488
−HK$1,285/mo
Today · 4.125%
HK$49,773
baseline
▲ 0.50% · 4.625%
HK$52,397
+HK$2,624/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,546/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,522
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,062
−HK$1,565/mo
Today · 4.125%
HK$52,627
baseline
▲ 0.50% · 4.625%
HK$55,829
+HK$3,202/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,254/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,092
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,570
−HK$1,499/mo
Today · 4.125%
HK$58,069
baseline
▲ 0.50% · 4.625%
HK$61,130
+HK$3,061/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,138/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,671
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,651
−HK$2,012/mo
Today · 4.125%
HK$67,663
baseline
▲ 0.50% · 4.625%
HK$71,781
+HK$4,118/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,326/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,833
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,733
−HK$1,927/mo
Today · 4.125%
HK$74,660
baseline
▲ 0.50% · 4.625%
HK$78,595
+HK$3,935/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,320/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,721 · Scale 2, in force from 26 Feb 2026)