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$35,284
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,382
−HK$1,115/mo
Today · 4.125%
HK$37,497
baseline
▲ 0.50% · 4.625%
HK$39,779
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$74,994/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,254
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,306
−HK$1,068/mo
Today · 4.125%
HK$41,374
baseline
▲ 0.50% · 4.625%
HK$43,555
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,748/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,341
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,658
−HK$1,339/mo
Today · 4.125%
HK$44,997
baseline
▲ 0.50% · 4.625%
HK$47,734
+HK$2,737/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,994/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,104
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,368
−HK$1,281/mo
Today · 4.125%
HK$49,649
baseline
▲ 0.50% · 4.625%
HK$52,266
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,298/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,398
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,935
−HK$1,561/mo
Today · 4.125%
HK$52,496
baseline
▲ 0.50% · 4.625%
HK$55,690
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,992/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,955
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,429
−HK$1,495/mo
Today · 4.125%
HK$57,924
baseline
▲ 0.50% · 4.625%
HK$60,977
+HK$3,053/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,848/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,512
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,488
−HK$2,007/mo
Today · 4.125%
HK$67,495
baseline
▲ 0.50% · 4.625%
HK$71,602
+HK$4,107/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$134,990/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,657
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,551
−HK$1,923/mo
Today · 4.125%
HK$74,474
baseline
▲ 0.50% · 4.625%
HK$78,399
+HK$3,925/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,948/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,272 · Scale 2, in force from 26 Feb 2026)