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$35,283
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,381
−HK$1,115/mo
Today · 4.125%
HK$37,496
baseline
▲ 0.50% · 4.625%
HK$39,777
+HK$2,281/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$74,992/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,252
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,305
−HK$1,068/mo
Today · 4.125%
HK$41,373
baseline
▲ 0.50% · 4.625%
HK$43,554
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,746/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,340
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,657
−HK$1,338/mo
Today · 4.125%
HK$44,995
baseline
▲ 0.50% · 4.625%
HK$47,733
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,990/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,103
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,366
−HK$1,282/mo
Today · 4.125%
HK$49,648
baseline
▲ 0.50% · 4.625%
HK$52,265
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,296/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,397
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,933
−HK$1,561/mo
Today · 4.125%
HK$52,494
baseline
▲ 0.50% · 4.625%
HK$55,688
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,988/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,953
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,427
−HK$1,495/mo
Today · 4.125%
HK$57,922
baseline
▲ 0.50% · 4.625%
HK$60,975
+HK$3,053/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,844/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,510
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,486
−HK$2,007/mo
Today · 4.125%
HK$67,493
baseline
▲ 0.50% · 4.625%
HK$71,599
+HK$4,106/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$134,986/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,654
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,549
−HK$1,923/mo
Today · 4.125%
HK$74,472
baseline
▲ 0.50% · 4.625%
HK$78,397
+HK$3,925/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,944/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,254 · Scale 2, in force from 26 Feb 2026)