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$35,385
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,485
−HK$1,119/mo
Today · 4.125%
HK$37,604
baseline
▲ 0.50% · 4.625%
HK$39,892
+HK$2,288/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,208/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,365
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,421
−HK$1,071/mo
Today · 4.125%
HK$41,492
baseline
▲ 0.50% · 4.625%
HK$43,679
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,984/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,462
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,782
−HK$1,342/mo
Today · 4.125%
HK$45,124
baseline
▲ 0.50% · 4.625%
HK$47,870
+HK$2,746/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,248/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,238
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,505
−HK$1,285/mo
Today · 4.125%
HK$49,790
baseline
▲ 0.50% · 4.625%
HK$52,415
+HK$2,625/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,580/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,539
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,079
−HK$1,566/mo
Today · 4.125%
HK$52,645
baseline
▲ 0.50% · 4.625%
HK$55,848
+HK$3,203/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$105,290/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,111
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,589
−HK$1,500/mo
Today · 4.125%
HK$58,089
baseline
▲ 0.50% · 4.625%
HK$61,151
+HK$3,062/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$116,178/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,692
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,674
−HK$2,012/mo
Today · 4.125%
HK$67,686
baseline
▲ 0.50% · 4.625%
HK$71,805
+HK$4,119/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,372/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,857
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,758
−HK$1,927/mo
Today · 4.125%
HK$74,685
baseline
▲ 0.50% · 4.625%
HK$78,622
+HK$3,937/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,370/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,920 · Scale 2, in force from 26 Feb 2026)