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$35,278
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,375
−HK$1,115/mo
Today · 4.125%
HK$37,490
baseline
▲ 0.50% · 4.625%
HK$39,772
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$74,980/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,247
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,299
−HK$1,068/mo
Today · 4.125%
HK$41,367
baseline
▲ 0.50% · 4.625%
HK$43,547
+HK$2,180/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,734/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,334
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,651
−HK$1,337/mo
Today · 4.125%
HK$44,988
baseline
▲ 0.50% · 4.625%
HK$47,726
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,976/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,096
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,359
−HK$1,281/mo
Today · 4.125%
HK$49,640
baseline
▲ 0.50% · 4.625%
HK$52,257
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,280/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,389
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,926
−HK$1,560/mo
Today · 4.125%
HK$52,486
baseline
▲ 0.50% · 4.625%
HK$55,680
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,972/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,945
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,419
−HK$1,495/mo
Today · 4.125%
HK$57,914
baseline
▲ 0.50% · 4.625%
HK$60,966
+HK$3,052/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,828/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,501
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,476
−HK$2,007/mo
Today · 4.125%
HK$67,483
baseline
▲ 0.50% · 4.625%
HK$71,589
+HK$4,106/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,966/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,644
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,538
−HK$1,922/mo
Today · 4.125%
HK$74,460
baseline
▲ 0.50% · 4.625%
HK$78,385
+HK$3,925/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,920/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,167 · Scale 2, in force from 26 Feb 2026)