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$35,266
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,363
−HK$1,114/mo
Today · 4.125%
HK$37,477
baseline
▲ 0.50% · 4.625%
HK$39,758
+HK$2,281/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,954/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,233
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,285
−HK$1,067/mo
Today · 4.125%
HK$41,352
baseline
▲ 0.50% · 4.625%
HK$43,532
+HK$2,180/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,704/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,319
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,635
−HK$1,338/mo
Today · 4.125%
HK$44,973
baseline
▲ 0.50% · 4.625%
HK$47,709
+HK$2,736/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,946/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$579,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,079
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,342
−HK$1,281/mo
Today · 4.125%
HK$49,623
baseline
▲ 0.50% · 4.625%
HK$52,239
+HK$2,616/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,246/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$579,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,372
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,908
−HK$1,560/mo
Today · 4.125%
HK$52,468
baseline
▲ 0.50% · 4.625%
HK$55,661
+HK$3,193/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,936/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,926
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,399
−HK$1,494/mo
Today · 4.125%
HK$57,893
baseline
▲ 0.50% · 4.625%
HK$60,945
+HK$3,052/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,786/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,478
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,453
−HK$2,006/mo
Today · 4.125%
HK$67,459
baseline
▲ 0.50% · 4.625%
HK$71,564
+HK$4,105/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,918/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,619
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,513
−HK$1,921/mo
Today · 4.125%
HK$74,434
baseline
▲ 0.50% · 4.625%
HK$78,358
+HK$3,924/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,868/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,964 · Scale 2, in force from 26 Feb 2026)