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$35,276
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,373
−HK$1,115/mo
Today · 4.125%
HK$37,488
baseline
▲ 0.50% · 4.625%
HK$39,769
+HK$2,281/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$74,976/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,244
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,296
−HK$1,068/mo
Today · 4.125%
HK$41,364
baseline
▲ 0.50% · 4.625%
HK$43,545
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,728/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,331
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,648
−HK$1,338/mo
Today · 4.125%
HK$44,986
baseline
▲ 0.50% · 4.625%
HK$47,723
+HK$2,737/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,972/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,093
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,356
−HK$1,281/mo
Today · 4.125%
HK$49,637
baseline
▲ 0.50% · 4.625%
HK$52,254
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,274/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,386
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,922
−HK$1,561/mo
Today · 4.125%
HK$52,483
baseline
▲ 0.50% · 4.625%
HK$55,677
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,966/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,942
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,415
−HK$1,495/mo
Today · 4.125%
HK$57,910
baseline
▲ 0.50% · 4.625%
HK$60,962
+HK$3,052/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,820/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,496
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,472
−HK$2,006/mo
Today · 4.125%
HK$67,478
baseline
▲ 0.50% · 4.625%
HK$71,584
+HK$4,106/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,956/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,639
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,534
−HK$1,922/mo
Today · 4.125%
HK$74,456
baseline
▲ 0.50% · 4.625%
HK$78,380
+HK$3,924/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,912/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,130 · Scale 2, in force from 26 Feb 2026)