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$35,408
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,510
−HK$1,119/mo
Today · 4.125%
HK$37,629
baseline
▲ 0.50% · 4.625%
HK$39,918
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,258/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,391
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,448
−HK$1,072/mo
Today · 4.125%
HK$41,520
baseline
▲ 0.50% · 4.625%
HK$43,708
+HK$2,188/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,040/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,490
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,812
−HK$1,342/mo
Today · 4.125%
HK$45,154
baseline
▲ 0.50% · 4.625%
HK$47,902
+HK$2,748/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,308/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,270
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,537
−HK$1,287/mo
Today · 4.125%
HK$49,824
baseline
▲ 0.50% · 4.625%
HK$52,450
+HK$2,626/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,648/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,572
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,114
−HK$1,566/mo
Today · 4.125%
HK$52,680
baseline
▲ 0.50% · 4.625%
HK$55,886
+HK$3,206/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,360/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,148
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,627
−HK$1,500/mo
Today · 4.125%
HK$58,127
baseline
▲ 0.50% · 4.625%
HK$61,191
+HK$3,064/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,254/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,735
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,718
−HK$2,014/mo
Today · 4.125%
HK$67,732
baseline
▲ 0.50% · 4.625%
HK$71,853
+HK$4,121/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,464/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,905
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,806
−HK$1,929/mo
Today · 4.125%
HK$74,735
baseline
▲ 0.50% · 4.625%
HK$78,675
+HK$3,940/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,470/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,309 · Scale 2, in force from 26 Feb 2026)