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$35,398
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,499
−HK$1,119/mo
Today · 4.125%
HK$37,618
baseline
▲ 0.50% · 4.625%
HK$39,907
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,236/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,380
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,436
−HK$1,072/mo
Today · 4.125%
HK$41,508
baseline
▲ 0.50% · 4.625%
HK$43,696
+HK$2,188/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,016/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,478
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,799
−HK$1,343/mo
Today · 4.125%
HK$45,142
baseline
▲ 0.50% · 4.625%
HK$47,888
+HK$2,746/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,284/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,256
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,523
−HK$1,286/mo
Today · 4.125%
HK$49,809
baseline
▲ 0.50% · 4.625%
HK$52,435
+HK$2,626/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,618/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,557
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,099
−HK$1,566/mo
Today · 4.125%
HK$52,665
baseline
▲ 0.50% · 4.625%
HK$55,870
+HK$3,205/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,330/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,132
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,611
−HK$1,500/mo
Today · 4.125%
HK$58,111
baseline
▲ 0.50% · 4.625%
HK$61,174
+HK$3,063/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,222/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,717
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,699
−HK$2,013/mo
Today · 4.125%
HK$67,712
baseline
▲ 0.50% · 4.625%
HK$71,832
+HK$4,120/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,424/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,884
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,785
−HK$1,929/mo
Today · 4.125%
HK$74,714
baseline
▲ 0.50% · 4.625%
HK$78,652
+HK$3,938/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,428/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,141 · Scale 2, in force from 26 Feb 2026)