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$35,289
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,387
−HK$1,115/mo
Today · 4.125%
HK$37,502
baseline
▲ 0.50% · 4.625%
HK$39,784
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,004/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,259
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,312
−HK$1,068/mo
Today · 4.125%
HK$41,380
baseline
▲ 0.50% · 4.625%
HK$43,561
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,760/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,347
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,664
−HK$1,339/mo
Today · 4.125%
HK$45,003
baseline
▲ 0.50% · 4.625%
HK$47,741
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,006/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,111
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,374
−HK$1,282/mo
Today · 4.125%
HK$49,656
baseline
▲ 0.50% · 4.625%
HK$52,273
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,312/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,405
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,942
−HK$1,561/mo
Today · 4.125%
HK$52,503
baseline
▲ 0.50% · 4.625%
HK$55,698
+HK$3,195/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$105,006/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,962
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,437
−HK$1,495/mo
Today · 4.125%
HK$57,932
baseline
▲ 0.50% · 4.625%
HK$60,986
+HK$3,054/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,864/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,521
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,496
−HK$2,008/mo
Today · 4.125%
HK$67,504
baseline
▲ 0.50% · 4.625%
HK$71,611
+HK$4,107/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,008/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,666
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,561
−HK$1,923/mo
Today · 4.125%
HK$74,484
baseline
▲ 0.50% · 4.625%
HK$78,410
+HK$3,926/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,968/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,350 · Scale 2, in force from 26 Feb 2026)