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$35,405
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,507
−HK$1,119/mo
Today · 4.125%
HK$37,626
baseline
▲ 0.50% · 4.625%
HK$39,915
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,252/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,388
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,445
−HK$1,071/mo
Today · 4.125%
HK$41,516
baseline
▲ 0.50% · 4.625%
HK$43,705
+HK$2,189/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,032/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,486
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,808
−HK$1,343/mo
Today · 4.125%
HK$45,151
baseline
▲ 0.50% · 4.625%
HK$47,898
+HK$2,747/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,302/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,266
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,533
−HK$1,286/mo
Today · 4.125%
HK$49,819
baseline
▲ 0.50% · 4.625%
HK$52,445
+HK$2,626/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,638/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,568
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,109
−HK$1,567/mo
Today · 4.125%
HK$52,676
baseline
▲ 0.50% · 4.625%
HK$55,881
+HK$3,205/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,352/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,143
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,622
−HK$1,501/mo
Today · 4.125%
HK$58,123
baseline
▲ 0.50% · 4.625%
HK$61,186
+HK$3,063/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,246/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,730
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,712
−HK$2,014/mo
Today · 4.125%
HK$67,726
baseline
▲ 0.50% · 4.625%
HK$71,847
+HK$4,121/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,452/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,899
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,800
−HK$1,929/mo
Today · 4.125%
HK$74,729
baseline
▲ 0.50% · 4.625%
HK$78,668
+HK$3,939/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,458/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,261 · Scale 2, in force from 26 Feb 2026)