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$35,290
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,388
−HK$1,115/mo
Today · 4.125%
HK$37,503
baseline
▲ 0.50% · 4.625%
HK$39,785
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,006/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,260
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,313
−HK$1,068/mo
Today · 4.125%
HK$41,381
baseline
▲ 0.50% · 4.625%
HK$43,563
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,762/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,349
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,666
−HK$1,338/mo
Today · 4.125%
HK$45,004
baseline
▲ 0.50% · 4.625%
HK$47,743
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,008/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,112
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,376
−HK$1,282/mo
Today · 4.125%
HK$49,658
baseline
▲ 0.50% · 4.625%
HK$52,275
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,316/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,407
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,943
−HK$1,562/mo
Today · 4.125%
HK$52,505
baseline
▲ 0.50% · 4.625%
HK$55,700
+HK$3,195/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$105,010/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,964
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,438
−HK$1,496/mo
Today · 4.125%
HK$57,934
baseline
▲ 0.50% · 4.625%
HK$60,988
+HK$3,054/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,868/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,523
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,499
−HK$2,007/mo
Today · 4.125%
HK$67,506
baseline
▲ 0.50% · 4.625%
HK$71,614
+HK$4,108/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,012/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,668
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,564
−HK$1,922/mo
Today · 4.125%
HK$74,486
baseline
▲ 0.50% · 4.625%
HK$78,413
+HK$3,927/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,972/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,370 · Scale 2, in force from 26 Feb 2026)