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$35,310
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,409
−HK$1,116/mo
Today · 4.125%
HK$37,525
baseline
▲ 0.50% · 4.625%
HK$39,808
+HK$2,283/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,050/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,282
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,336
−HK$1,069/mo
Today · 4.125%
HK$41,405
baseline
▲ 0.50% · 4.625%
HK$43,587
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,810/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,372
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,690
−HK$1,339/mo
Today · 4.125%
HK$45,029
baseline
▲ 0.50% · 4.625%
HK$47,769
+HK$2,740/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,058/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,139
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,403
−HK$1,283/mo
Today · 4.125%
HK$49,686
baseline
▲ 0.50% · 4.625%
HK$52,305
+HK$2,619/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,372/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,434
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,972
−HK$1,562/mo
Today · 4.125%
HK$52,534
baseline
▲ 0.50% · 4.625%
HK$55,731
+HK$3,197/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,068/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,995
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,470
−HK$1,496/mo
Today · 4.125%
HK$57,966
baseline
▲ 0.50% · 4.625%
HK$61,022
+HK$3,056/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,932/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,559
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,536
−HK$2,008/mo
Today · 4.125%
HK$67,544
baseline
▲ 0.50% · 4.625%
HK$71,654
+HK$4,110/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,088/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,708
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,605
−HK$1,923/mo
Today · 4.125%
HK$74,528
baseline
▲ 0.50% · 4.625%
HK$78,457
+HK$3,929/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,056/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,696 · Scale 2, in force from 26 Feb 2026)