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$35,367
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,467
−HK$1,118/mo
Today · 4.125%
HK$37,585
baseline
▲ 0.50% · 4.625%
HK$39,872
+HK$2,287/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,170/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,345
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,400
−HK$1,071/mo
Today · 4.125%
HK$41,471
baseline
▲ 0.50% · 4.625%
HK$43,657
+HK$2,186/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,942/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,440
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,760
−HK$1,342/mo
Today · 4.125%
HK$45,102
baseline
▲ 0.50% · 4.625%
HK$47,846
+HK$2,744/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$90,204/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,214
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,481
−HK$1,284/mo
Today · 4.125%
HK$49,765
baseline
▲ 0.50% · 4.625%
HK$52,388
+HK$2,623/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$99,530/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,514
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,054
−HK$1,564/mo
Today · 4.125%
HK$52,618
baseline
▲ 0.50% · 4.625%
HK$55,820
+HK$3,202/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,236/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,083
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,561
−HK$1,498/mo
Today · 4.125%
HK$58,059
baseline
▲ 0.50% · 4.625%
HK$61,120
+HK$3,061/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,118/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,660
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,640
−HK$2,012/mo
Today · 4.125%
HK$67,652
baseline
▲ 0.50% · 4.625%
HK$71,769
+HK$4,117/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,304/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,821
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,721
−HK$1,927/mo
Today · 4.125%
HK$74,648
baseline
▲ 0.50% · 4.625%
HK$78,582
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,296/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,626 · Scale 2, in force from 26 Feb 2026)