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$35,382
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,483
−HK$1,118/mo
Today · 4.125%
HK$37,601
baseline
▲ 0.50% · 4.625%
HK$39,889
+HK$2,288/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,202/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,363
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,418
−HK$1,071/mo
Today · 4.125%
HK$41,489
baseline
▲ 0.50% · 4.625%
HK$43,676
+HK$2,187/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,978/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,459
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,780
−HK$1,341/mo
Today · 4.125%
HK$45,121
baseline
▲ 0.50% · 4.625%
HK$47,867
+HK$2,746/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,242/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,235
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,502
−HK$1,285/mo
Today · 4.125%
HK$49,787
baseline
▲ 0.50% · 4.625%
HK$52,411
+HK$2,624/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,574/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,535
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,076
−HK$1,566/mo
Today · 4.125%
HK$52,642
baseline
▲ 0.50% · 4.625%
HK$55,845
+HK$3,203/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$105,284/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,108
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,586
−HK$1,499/mo
Today · 4.125%
HK$58,085
baseline
▲ 0.50% · 4.625%
HK$61,147
+HK$3,062/mo
Deposit HK$4.66M · loan HK$10.86M · min. income ≈ HK$116,170/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,688
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,669
−HK$2,013/mo
Today · 4.125%
HK$67,682
baseline
▲ 0.50% · 4.625%
HK$71,801
+HK$4,119/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,364/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,853
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,753
−HK$1,928/mo
Today · 4.125%
HK$74,681
baseline
▲ 0.50% · 4.625%
HK$78,617
+HK$3,936/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,362/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,883 · Scale 2, in force from 26 Feb 2026)