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$35,273
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,370
−HK$1,115/mo
Today · 4.125%
HK$37,485
baseline
▲ 0.50% · 4.625%
HK$39,766
+HK$2,281/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,970/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$580,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,241
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,293
−HK$1,068/mo
Today · 4.125%
HK$41,361
baseline
▲ 0.50% · 4.625%
HK$43,541
+HK$2,180/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,722/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$580,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,327
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,644
−HK$1,338/mo
Today · 4.125%
HK$44,982
baseline
▲ 0.50% · 4.625%
HK$47,719
+HK$2,737/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,964/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,089
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,352
−HK$1,281/mo
Today · 4.125%
HK$49,633
baseline
▲ 0.50% · 4.625%
HK$52,249
+HK$2,616/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,266/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,382
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,918
−HK$1,561/mo
Today · 4.125%
HK$52,479
baseline
▲ 0.50% · 4.625%
HK$55,672
+HK$3,193/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,958/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,937
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,410
−HK$1,495/mo
Today · 4.125%
HK$57,905
baseline
▲ 0.50% · 4.625%
HK$60,957
+HK$3,052/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,810/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,491
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,466
−HK$2,006/mo
Today · 4.125%
HK$67,472
baseline
▲ 0.50% · 4.625%
HK$71,578
+HK$4,106/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,944/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,633
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,527
−HK$1,922/mo
Today · 4.125%
HK$74,449
baseline
▲ 0.50% · 4.625%
HK$78,374
+HK$3,925/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,898/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,080 · Scale 2, in force from 26 Feb 2026)