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$35,296
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,394
−HK$1,116/mo
Today · 4.125%
HK$37,510
baseline
▲ 0.50% · 4.625%
HK$39,792
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,020/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,267
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,320
−HK$1,068/mo
Today · 4.125%
HK$41,388
baseline
▲ 0.50% · 4.625%
HK$43,570
+HK$2,182/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,776/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,356
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,673
−HK$1,339/mo
Today · 4.125%
HK$45,012
baseline
▲ 0.50% · 4.625%
HK$47,751
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,024/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,120
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,384
−HK$1,282/mo
Today · 4.125%
HK$49,666
baseline
▲ 0.50% · 4.625%
HK$52,284
+HK$2,618/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,332/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,415
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,952
−HK$1,562/mo
Today · 4.125%
HK$52,514
baseline
▲ 0.50% · 4.625%
HK$55,709
+HK$3,195/mo
Deposit HK$4.64M · loan HK$10.84M · min. income ≈ HK$105,028/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,974
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,448
−HK$1,496/mo
Today · 4.125%
HK$57,944
baseline
▲ 0.50% · 4.625%
HK$60,998
+HK$3,054/mo
Deposit HK$4.64M · loan HK$10.84M · min. income ≈ HK$115,888/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,534
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,510
−HK$2,008/mo
Today · 4.125%
HK$67,518
baseline
▲ 0.50% · 4.625%
HK$71,626
+HK$4,108/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,036/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,681
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,576
−HK$1,923/mo
Today · 4.125%
HK$74,499
baseline
▲ 0.50% · 4.625%
HK$78,426
+HK$3,927/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,998/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,470 · Scale 2, in force from 26 Feb 2026)