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$35,478
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,582
−HK$1,121/mo
Today · 4.125%
HK$37,703
baseline
▲ 0.50% · 4.625%
HK$39,997
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,406/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,469
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,528
−HK$1,073/mo
Today · 4.125%
HK$41,601
baseline
▲ 0.50% · 4.625%
HK$43,794
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,202/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,574
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,898
−HK$1,345/mo
Today · 4.125%
HK$45,243
baseline
▲ 0.50% · 4.625%
HK$47,996
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$90,486/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,363
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,633
−HK$1,289/mo
Today · 4.125%
HK$49,922
baseline
▲ 0.50% · 4.625%
HK$52,553
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$99,844/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,669
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,214
−HK$1,570/mo
Today · 4.125%
HK$52,784
baseline
▲ 0.50% · 4.625%
HK$55,996
+HK$3,212/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,568/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,257
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,739
−HK$1,503/mo
Today · 4.125%
HK$58,242
baseline
▲ 0.50% · 4.625%
HK$61,312
+HK$3,070/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,484/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,861
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,847
−HK$2,018/mo
Today · 4.125%
HK$67,865
baseline
▲ 0.50% · 4.625%
HK$71,995
+HK$4,130/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,730/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,044
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,950
−HK$1,933/mo
Today · 4.125%
HK$74,883
baseline
▲ 0.50% · 4.625%
HK$78,830
+HK$3,947/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,766/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,457 · Scale 2, in force from 26 Feb 2026)