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$35,376
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,476
−HK$1,118/mo
Today · 4.125%
HK$37,594
baseline
▲ 0.50% · 4.625%
HK$39,881
+HK$2,287/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,188/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,355
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,410
−HK$1,071/mo
Today · 4.125%
HK$41,481
baseline
▲ 0.50% · 4.625%
HK$43,668
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,962/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,451
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,771
−HK$1,342/mo
Today · 4.125%
HK$45,113
baseline
▲ 0.50% · 4.625%
HK$47,858
+HK$2,745/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,226/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,226
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,493
−HK$1,284/mo
Today · 4.125%
HK$49,777
baseline
▲ 0.50% · 4.625%
HK$52,401
+HK$2,624/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,554/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,526
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,066
−HK$1,565/mo
Today · 4.125%
HK$52,631
baseline
▲ 0.50% · 4.625%
HK$55,834
+HK$3,203/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,262/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,097
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,575
−HK$1,499/mo
Today · 4.125%
HK$58,074
baseline
▲ 0.50% · 4.625%
HK$61,135
+HK$3,061/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,148/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,676
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,657
−HK$2,012/mo
Today · 4.125%
HK$67,669
baseline
▲ 0.50% · 4.625%
HK$71,787
+HK$4,118/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,338/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,839
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,739
−HK$1,927/mo
Today · 4.125%
HK$74,666
baseline
▲ 0.50% · 4.625%
HK$78,602
+HK$3,936/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,332/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,770 · Scale 2, in force from 26 Feb 2026)