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$35,294
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,392
−HK$1,115/mo
Today · 4.125%
HK$37,507
baseline
▲ 0.50% · 4.625%
HK$39,789
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,014/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,264
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,317
−HK$1,068/mo
Today · 4.125%
HK$41,385
baseline
▲ 0.50% · 4.625%
HK$43,567
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,770/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,352
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,670
−HK$1,338/mo
Today · 4.125%
HK$45,008
baseline
▲ 0.50% · 4.625%
HK$47,747
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,016/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,117
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,380
−HK$1,282/mo
Today · 4.125%
HK$49,662
baseline
▲ 0.50% · 4.625%
HK$52,280
+HK$2,618/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,324/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,411
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,948
−HK$1,562/mo
Today · 4.125%
HK$52,510
baseline
▲ 0.50% · 4.625%
HK$55,705
+HK$3,195/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$105,020/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,969
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,444
−HK$1,495/mo
Today · 4.125%
HK$57,939
baseline
▲ 0.50% · 4.625%
HK$60,993
+HK$3,054/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,878/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,529
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,505
−HK$2,007/mo
Today · 4.125%
HK$67,512
baseline
▲ 0.50% · 4.625%
HK$71,620
+HK$4,108/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,024/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,675
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,570
−HK$1,923/mo
Today · 4.125%
HK$74,493
baseline
▲ 0.50% · 4.625%
HK$78,420
+HK$3,927/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,986/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,423 · Scale 2, in force from 26 Feb 2026)