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$35,377
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,478
−HK$1,118/mo
Today · 4.125%
HK$37,596
baseline
▲ 0.50% · 4.625%
HK$39,883
+HK$2,287/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,192/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,357
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,412
−HK$1,071/mo
Today · 4.125%
HK$41,483
baseline
▲ 0.50% · 4.625%
HK$43,670
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,966/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,453
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,773
−HK$1,342/mo
Today · 4.125%
HK$45,115
baseline
▲ 0.50% · 4.625%
HK$47,860
+HK$2,745/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,230/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,228
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,495
−HK$1,285/mo
Today · 4.125%
HK$49,780
baseline
▲ 0.50% · 4.625%
HK$52,404
+HK$2,624/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,560/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,528
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,069
−HK$1,565/mo
Today · 4.125%
HK$52,634
baseline
▲ 0.50% · 4.625%
HK$55,837
+HK$3,203/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,268/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,100
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,577
−HK$1,500/mo
Today · 4.125%
HK$58,077
baseline
▲ 0.50% · 4.625%
HK$61,138
+HK$3,061/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,154/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,679
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,660
−HK$2,012/mo
Today · 4.125%
HK$67,672
baseline
▲ 0.50% · 4.625%
HK$71,790
+HK$4,118/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,344/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,842
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,742
−HK$1,928/mo
Today · 4.125%
HK$74,670
baseline
▲ 0.50% · 4.625%
HK$78,606
+HK$3,936/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,340/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,799 · Scale 2, in force from 26 Feb 2026)