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$35,443
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,546
−HK$1,120/mo
Today · 4.125%
HK$37,666
baseline
▲ 0.50% · 4.625%
HK$39,958
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,332/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,430
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,488
−HK$1,073/mo
Today · 4.125%
HK$41,561
baseline
▲ 0.50% · 4.625%
HK$43,751
+HK$2,190/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,122/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,532
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,855
−HK$1,344/mo
Today · 4.125%
HK$45,199
baseline
▲ 0.50% · 4.625%
HK$47,949
+HK$2,750/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,398/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,316
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,585
−HK$1,288/mo
Today · 4.125%
HK$49,873
baseline
▲ 0.50% · 4.625%
HK$52,502
+HK$2,629/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,746/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,621
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,164
−HK$1,568/mo
Today · 4.125%
HK$52,732
baseline
▲ 0.50% · 4.625%
HK$55,941
+HK$3,209/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,464/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,202
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,683
−HK$1,502/mo
Today · 4.125%
HK$58,185
baseline
▲ 0.50% · 4.625%
HK$61,252
+HK$3,067/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,370/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,798
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,782
−HK$2,017/mo
Today · 4.125%
HK$67,799
baseline
▲ 0.50% · 4.625%
HK$71,924
+HK$4,125/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,598/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,975
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,878
−HK$1,931/mo
Today · 4.125%
HK$74,809
baseline
▲ 0.50% · 4.625%
HK$78,752
+HK$3,943/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,618/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,884 · Scale 2, in force from 26 Feb 2026)