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$35,383
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,484
−HK$1,118/mo
Today · 4.125%
HK$37,602
baseline
▲ 0.50% · 4.625%
HK$39,890
+HK$2,288/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,204/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,363
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,419
−HK$1,071/mo
Today · 4.125%
HK$41,490
baseline
▲ 0.50% · 4.625%
HK$43,677
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,980/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,460
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,780
−HK$1,342/mo
Today · 4.125%
HK$45,122
baseline
▲ 0.50% · 4.625%
HK$47,868
+HK$2,746/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,244/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,236
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,503
−HK$1,285/mo
Today · 4.125%
HK$49,788
baseline
▲ 0.50% · 4.625%
HK$52,412
+HK$2,624/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,576/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,536
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,077
−HK$1,566/mo
Today · 4.125%
HK$52,643
baseline
▲ 0.50% · 4.625%
HK$55,846
+HK$3,203/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$105,286/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,109
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,587
−HK$1,499/mo
Today · 4.125%
HK$58,086
baseline
▲ 0.50% · 4.625%
HK$61,148
+HK$3,062/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$116,172/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,690
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,671
−HK$2,013/mo
Today · 4.125%
HK$67,684
baseline
▲ 0.50% · 4.625%
HK$71,802
+HK$4,118/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,368/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,854
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,754
−HK$1,928/mo
Today · 4.125%
HK$74,682
baseline
▲ 0.50% · 4.625%
HK$78,619
+HK$3,937/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,364/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,894 · Scale 2, in force from 26 Feb 2026)