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$35,388
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,489
−HK$1,118/mo
Today · 4.125%
HK$37,607
baseline
▲ 0.50% · 4.625%
HK$39,896
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,214/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,369
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,425
−HK$1,071/mo
Today · 4.125%
HK$41,496
baseline
▲ 0.50% · 4.625%
HK$43,683
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,992/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,466
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,787
−HK$1,342/mo
Today · 4.125%
HK$45,129
baseline
▲ 0.50% · 4.625%
HK$47,875
+HK$2,746/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,258/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,243
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,510
−HK$1,285/mo
Today · 4.125%
HK$49,795
baseline
▲ 0.50% · 4.625%
HK$52,420
+HK$2,625/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,590/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,544
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,085
−HK$1,565/mo
Today · 4.125%
HK$52,650
baseline
▲ 0.50% · 4.625%
HK$55,854
+HK$3,204/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$105,300/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,117
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,595
−HK$1,500/mo
Today · 4.125%
HK$58,095
baseline
▲ 0.50% · 4.625%
HK$61,157
+HK$3,062/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$116,190/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,699
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,680
−HK$2,013/mo
Today · 4.125%
HK$67,693
baseline
▲ 0.50% · 4.625%
HK$71,812
+HK$4,119/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,386/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,864
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,765
−HK$1,928/mo
Today · 4.125%
HK$74,693
baseline
▲ 0.50% · 4.625%
HK$78,630
+HK$3,937/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,386/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,980 · Scale 2, in force from 26 Feb 2026)