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$35,445
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,547
−HK$1,120/mo
Today · 4.125%
HK$37,667
baseline
▲ 0.50% · 4.625%
HK$39,959
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,334/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,432
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,489
−HK$1,073/mo
Today · 4.125%
HK$41,562
baseline
▲ 0.50% · 4.625%
HK$43,753
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,124/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,534
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,857
−HK$1,344/mo
Today · 4.125%
HK$45,201
baseline
▲ 0.50% · 4.625%
HK$47,951
+HK$2,750/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,402/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,318
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,587
−HK$1,288/mo
Today · 4.125%
HK$49,875
baseline
▲ 0.50% · 4.625%
HK$52,504
+HK$2,629/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,750/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,622
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,166
−HK$1,568/mo
Today · 4.125%
HK$52,734
baseline
▲ 0.50% · 4.625%
HK$55,943
+HK$3,209/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,468/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,204
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,685
−HK$1,502/mo
Today · 4.125%
HK$58,187
baseline
▲ 0.50% · 4.625%
HK$61,254
+HK$3,067/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,374/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,800
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,785
−HK$2,016/mo
Today · 4.125%
HK$67,801
baseline
▲ 0.50% · 4.625%
HK$71,927
+HK$4,126/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,602/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,977
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,881
−HK$1,931/mo
Today · 4.125%
HK$74,812
baseline
▲ 0.50% · 4.625%
HK$78,755
+HK$3,943/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,624/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,905 · Scale 2, in force from 26 Feb 2026)