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$35,451
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,554
−HK$1,120/mo
Today · 4.125%
HK$37,674
baseline
▲ 0.50% · 4.625%
HK$39,967
+HK$2,293/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,348/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,439
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,497
−HK$1,073/mo
Today · 4.125%
HK$41,570
baseline
▲ 0.50% · 4.625%
HK$43,761
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,140/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,541
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,865
−HK$1,344/mo
Today · 4.125%
HK$45,209
baseline
▲ 0.50% · 4.625%
HK$47,960
+HK$2,751/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,418/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,327
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,596
−HK$1,288/mo
Today · 4.125%
HK$49,884
baseline
▲ 0.50% · 4.625%
HK$52,513
+HK$2,629/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,768/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,631
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,175
−HK$1,569/mo
Today · 4.125%
HK$52,744
baseline
▲ 0.50% · 4.625%
HK$55,953
+HK$3,209/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,488/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,215
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,695
−HK$1,503/mo
Today · 4.125%
HK$58,198
baseline
▲ 0.50% · 4.625%
HK$61,265
+HK$3,067/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,396/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,812
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,797
−HK$2,016/mo
Today · 4.125%
HK$67,813
baseline
▲ 0.50% · 4.625%
HK$71,940
+HK$4,127/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,626/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,990
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,894
−HK$1,932/mo
Today · 4.125%
HK$74,826
baseline
▲ 0.50% · 4.625%
HK$78,770
+HK$3,944/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,652/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,012 · Scale 2, in force from 26 Feb 2026)