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$35,450
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,553
−HK$1,120/mo
Today · 4.125%
HK$37,673
baseline
▲ 0.50% · 4.625%
HK$39,965
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,346/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$582,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,438
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,496
−HK$1,073/mo
Today · 4.125%
HK$41,569
baseline
▲ 0.50% · 4.625%
HK$43,760
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,138/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$582,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,540
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,863
−HK$1,345/mo
Today · 4.125%
HK$45,208
baseline
▲ 0.50% · 4.625%
HK$47,959
+HK$2,751/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,416/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,325
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,595
−HK$1,287/mo
Today · 4.125%
HK$49,882
baseline
▲ 0.50% · 4.625%
HK$52,512
+HK$2,630/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,764/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,630
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,174
−HK$1,568/mo
Today · 4.125%
HK$52,742
baseline
▲ 0.50% · 4.625%
HK$55,952
+HK$3,210/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,484/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,213
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,694
−HK$1,502/mo
Today · 4.125%
HK$58,196
baseline
▲ 0.50% · 4.625%
HK$61,264
+HK$3,068/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,392/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,810
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,795
−HK$2,017/mo
Today · 4.125%
HK$67,812
baseline
▲ 0.50% · 4.625%
HK$71,938
+HK$4,126/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,624/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,988
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,892
−HK$1,931/mo
Today · 4.125%
HK$74,823
baseline
▲ 0.50% · 4.625%
HK$78,767
+HK$3,944/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,646/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,995 · Scale 2, in force from 26 Feb 2026)