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$35,302
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,400
−HK$1,116/mo
Today · 4.125%
HK$37,516
baseline
▲ 0.50% · 4.625%
HK$39,798
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,032/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,273
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,326
−HK$1,069/mo
Today · 4.125%
HK$41,395
baseline
▲ 0.50% · 4.625%
HK$43,577
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,790/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,362
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,680
−HK$1,339/mo
Today · 4.125%
HK$45,019
baseline
▲ 0.50% · 4.625%
HK$47,758
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,038/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,128
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,392
−HK$1,282/mo
Today · 4.125%
HK$49,674
baseline
▲ 0.50% · 4.625%
HK$52,292
+HK$2,618/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,348/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,423
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,960
−HK$1,562/mo
Today · 4.125%
HK$52,522
baseline
▲ 0.50% · 4.625%
HK$55,718
+HK$3,196/mo
Deposit HK$4.64M · loan HK$10.84M · min. income ≈ HK$105,044/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,982
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,457
−HK$1,496/mo
Today · 4.125%
HK$57,953
baseline
▲ 0.50% · 4.625%
HK$61,008
+HK$3,055/mo
Deposit HK$4.64M · loan HK$10.84M · min. income ≈ HK$115,906/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,544
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,520
−HK$2,008/mo
Today · 4.125%
HK$67,528
baseline
▲ 0.50% · 4.625%
HK$71,637
+HK$4,109/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,056/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,692
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,587
−HK$1,924/mo
Today · 4.125%
HK$74,511
baseline
▲ 0.50% · 4.625%
HK$78,438
+HK$3,927/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$149,022/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,560 · Scale 2, in force from 26 Feb 2026)