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$35,438
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,540
−HK$1,120/mo
Today · 4.125%
HK$37,660
baseline
▲ 0.50% · 4.625%
HK$39,952
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,320/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,424
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,482
−HK$1,072/mo
Today · 4.125%
HK$41,554
baseline
▲ 0.50% · 4.625%
HK$43,745
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,108/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,526
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,848
−HK$1,344/mo
Today · 4.125%
HK$45,192
baseline
▲ 0.50% · 4.625%
HK$47,942
+HK$2,750/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$90,384/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,309
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,578
−HK$1,287/mo
Today · 4.125%
HK$49,865
baseline
▲ 0.50% · 4.625%
HK$52,494
+HK$2,629/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$99,730/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,613
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,156
−HK$1,568/mo
Today · 4.125%
HK$52,724
baseline
▲ 0.50% · 4.625%
HK$55,932
+HK$3,208/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,448/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,194
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,674
−HK$1,502/mo
Today · 4.125%
HK$58,176
baseline
▲ 0.50% · 4.625%
HK$61,243
+HK$3,067/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,352/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,788
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,772
−HK$2,016/mo
Today · 4.125%
HK$67,788
baseline
▲ 0.50% · 4.625%
HK$71,913
+HK$4,125/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,576/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,964
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,867
−HK$1,931/mo
Today · 4.125%
HK$74,798
baseline
▲ 0.50% · 4.625%
HK$78,740
+HK$3,942/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,596/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,796 · Scale 2, in force from 26 Feb 2026)