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$35,321
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,420
−HK$1,116/mo
Today · 4.125%
HK$37,536
baseline
▲ 0.50% · 4.625%
HK$39,820
+HK$2,284/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,072/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,294
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,348
−HK$1,069/mo
Today · 4.125%
HK$41,417
baseline
▲ 0.50% · 4.625%
HK$43,600
+HK$2,183/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,834/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,385
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,704
−HK$1,339/mo
Today · 4.125%
HK$45,043
baseline
▲ 0.50% · 4.625%
HK$47,784
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$90,086/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,153
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,418
−HK$1,283/mo
Today · 4.125%
HK$49,701
baseline
▲ 0.50% · 4.625%
HK$52,320
+HK$2,619/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$99,402/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,449
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,988
−HK$1,562/mo
Today · 4.125%
HK$52,550
baseline
▲ 0.50% · 4.625%
HK$55,748
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,100/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,012
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,487
−HK$1,497/mo
Today · 4.125%
HK$57,984
baseline
▲ 0.50% · 4.625%
HK$61,040
+HK$3,056/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,968/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,578
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,555
−HK$2,010/mo
Today · 4.125%
HK$67,565
baseline
▲ 0.50% · 4.625%
HK$71,676
+HK$4,111/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,130/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,730
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,627
−HK$1,924/mo
Today · 4.125%
HK$74,551
baseline
▲ 0.50% · 4.625%
HK$78,481
+HK$3,930/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,102/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,872 · Scale 2, in force from 26 Feb 2026)