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$35,308
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,406
−HK$1,116/mo
Today · 4.125%
HK$37,522
baseline
▲ 0.50% · 4.625%
HK$39,805
+HK$2,283/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,044/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,280
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,333
−HK$1,069/mo
Today · 4.125%
HK$41,402
baseline
▲ 0.50% · 4.625%
HK$43,584
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,804/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,370
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,688
−HK$1,339/mo
Today · 4.125%
HK$45,027
baseline
▲ 0.50% · 4.625%
HK$47,766
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,054/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,136
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,400
−HK$1,282/mo
Today · 4.125%
HK$49,682
baseline
▲ 0.50% · 4.625%
HK$52,301
+HK$2,619/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,364/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,431
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,969
−HK$1,562/mo
Today · 4.125%
HK$52,531
baseline
▲ 0.50% · 4.625%
HK$55,727
+HK$3,196/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,062/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,992
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,467
−HK$1,496/mo
Today · 4.125%
HK$57,963
baseline
▲ 0.50% · 4.625%
HK$61,018
+HK$3,055/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,926/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,554
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,531
−HK$2,009/mo
Today · 4.125%
HK$67,540
baseline
▲ 0.50% · 4.625%
HK$71,649
+HK$4,109/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,080/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,704
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,600
−HK$1,923/mo
Today · 4.125%
HK$74,523
baseline
▲ 0.50% · 4.625%
HK$78,452
+HK$3,929/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,046/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,658 · Scale 2, in force from 26 Feb 2026)