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$35,320
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,418
−HK$1,116/mo
Today · 4.125%
HK$37,534
baseline
▲ 0.50% · 4.625%
HK$39,818
+HK$2,284/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,068/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,293
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,346
−HK$1,069/mo
Today · 4.125%
HK$41,415
baseline
▲ 0.50% · 4.625%
HK$43,599
+HK$2,184/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,830/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,383
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,702
−HK$1,339/mo
Today · 4.125%
HK$45,041
baseline
▲ 0.50% · 4.625%
HK$47,782
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$90,082/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,151
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,416
−HK$1,283/mo
Today · 4.125%
HK$49,699
baseline
▲ 0.50% · 4.625%
HK$52,318
+HK$2,619/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$99,398/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,447
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,985
−HK$1,563/mo
Today · 4.125%
HK$52,548
baseline
▲ 0.50% · 4.625%
HK$55,746
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,096/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,010
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,485
−HK$1,497/mo
Today · 4.125%
HK$57,982
baseline
▲ 0.50% · 4.625%
HK$61,038
+HK$3,056/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,964/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,575
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,553
−HK$2,009/mo
Today · 4.125%
HK$67,562
baseline
▲ 0.50% · 4.625%
HK$71,673
+HK$4,111/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,124/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,727
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,624
−HK$1,924/mo
Today · 4.125%
HK$74,548
baseline
▲ 0.50% · 4.625%
HK$78,477
+HK$3,929/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,096/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,848 · Scale 2, in force from 26 Feb 2026)