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$35,426
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,527
−HK$1,120/mo
Today · 4.125%
HK$37,647
baseline
▲ 0.50% · 4.625%
HK$39,938
+HK$2,291/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,294/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,411
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,467
−HK$1,073/mo
Today · 4.125%
HK$41,540
baseline
▲ 0.50% · 4.625%
HK$43,729
+HK$2,189/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,080/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,511
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,833
−HK$1,343/mo
Today · 4.125%
HK$45,176
baseline
▲ 0.50% · 4.625%
HK$47,925
+HK$2,749/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,352/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,293
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,561
−HK$1,287/mo
Today · 4.125%
HK$49,848
baseline
▲ 0.50% · 4.625%
HK$52,475
+HK$2,627/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,696/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,596
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,138
−HK$1,568/mo
Today · 4.125%
HK$52,706
baseline
▲ 0.50% · 4.625%
HK$55,913
+HK$3,207/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,412/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,175
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,654
−HK$1,502/mo
Today · 4.125%
HK$58,156
baseline
▲ 0.50% · 4.625%
HK$61,221
+HK$3,065/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,312/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,766
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,749
−HK$2,016/mo
Today · 4.125%
HK$67,765
baseline
▲ 0.50% · 4.625%
HK$71,888
+HK$4,123/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,530/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,939
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,841
−HK$1,931/mo
Today · 4.125%
HK$74,772
baseline
▲ 0.50% · 4.625%
HK$78,713
+HK$3,941/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,544/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,591 · Scale 2, in force from 26 Feb 2026)