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$35,485
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,589
−HK$1,122/mo
Today · 4.125%
HK$37,711
baseline
▲ 0.50% · 4.625%
HK$40,005
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,422/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,477
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,536
−HK$1,074/mo
Today · 4.125%
HK$41,610
baseline
▲ 0.50% · 4.625%
HK$43,803
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,220/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,583
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,907
−HK$1,346/mo
Today · 4.125%
HK$45,253
baseline
▲ 0.50% · 4.625%
HK$48,006
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$90,506/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,373
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,643
−HK$1,289/mo
Today · 4.125%
HK$49,932
baseline
▲ 0.50% · 4.625%
HK$52,564
+HK$2,632/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$99,864/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,680
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,225
−HK$1,570/mo
Today · 4.125%
HK$52,795
baseline
▲ 0.50% · 4.625%
HK$56,007
+HK$3,212/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,590/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,268
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,750
−HK$1,504/mo
Today · 4.125%
HK$58,254
baseline
▲ 0.50% · 4.625%
HK$61,325
+HK$3,071/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,508/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,874
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,861
−HK$2,018/mo
Today · 4.125%
HK$67,879
baseline
▲ 0.50% · 4.625%
HK$72,010
+HK$4,131/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,758/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,059
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,965
−HK$1,933/mo
Today · 4.125%
HK$74,898
baseline
▲ 0.50% · 4.625%
HK$78,846
+HK$3,948/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,796/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,578 · Scale 2, in force from 26 Feb 2026)