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$35,378
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,479
−HK$1,118/mo
Today · 4.125%
HK$37,597
baseline
▲ 0.50% · 4.625%
HK$39,885
+HK$2,288/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,194/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,358
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,414
−HK$1,070/mo
Today · 4.125%
HK$41,484
baseline
▲ 0.50% · 4.625%
HK$43,671
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,968/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,454
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,775
−HK$1,341/mo
Today · 4.125%
HK$45,116
baseline
▲ 0.50% · 4.625%
HK$47,862
+HK$2,746/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,232/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,230
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,496
−HK$1,285/mo
Today · 4.125%
HK$49,781
baseline
▲ 0.50% · 4.625%
HK$52,405
+HK$2,624/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,562/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,530
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,070
−HK$1,566/mo
Today · 4.125%
HK$52,636
baseline
▲ 0.50% · 4.625%
HK$55,838
+HK$3,202/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,272/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,101
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,579
−HK$1,499/mo
Today · 4.125%
HK$58,078
baseline
▲ 0.50% · 4.625%
HK$61,140
+HK$3,062/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,156/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,681
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,662
−HK$2,012/mo
Today · 4.125%
HK$67,674
baseline
▲ 0.50% · 4.625%
HK$71,792
+HK$4,118/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,348/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,845
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,745
−HK$1,927/mo
Today · 4.125%
HK$74,672
baseline
▲ 0.50% · 4.625%
HK$78,608
+HK$3,936/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,344/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,816 · Scale 2, in force from 26 Feb 2026)