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$35,292
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,390
−HK$1,115/mo
Today · 4.125%
HK$37,505
baseline
▲ 0.50% · 4.625%
HK$39,787
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,010/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,262
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,315
−HK$1,068/mo
Today · 4.125%
HK$41,383
baseline
▲ 0.50% · 4.625%
HK$43,565
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,766/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,350
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,668
−HK$1,338/mo
Today · 4.125%
HK$45,006
baseline
▲ 0.50% · 4.625%
HK$47,745
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,012/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,114
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,378
−HK$1,282/mo
Today · 4.125%
HK$49,660
baseline
▲ 0.50% · 4.625%
HK$52,278
+HK$2,618/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,320/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,409
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,946
−HK$1,561/mo
Today · 4.125%
HK$52,507
baseline
▲ 0.50% · 4.625%
HK$55,702
+HK$3,195/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$105,014/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,967
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,441
−HK$1,496/mo
Today · 4.125%
HK$57,937
baseline
▲ 0.50% · 4.625%
HK$60,990
+HK$3,053/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,874/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,526
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,502
−HK$2,007/mo
Today · 4.125%
HK$67,509
baseline
▲ 0.50% · 4.625%
HK$71,617
+HK$4,108/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,018/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,672
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,567
−HK$1,923/mo
Today · 4.125%
HK$74,490
baseline
▲ 0.50% · 4.625%
HK$78,416
+HK$3,926/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,980/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,396 · Scale 2, in force from 26 Feb 2026)