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$35,320
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,419
−HK$1,116/mo
Today · 4.125%
HK$37,535
baseline
▲ 0.50% · 4.625%
HK$39,819
+HK$2,284/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,070/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,293
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,347
−HK$1,069/mo
Today · 4.125%
HK$41,416
baseline
▲ 0.50% · 4.625%
HK$43,600
+HK$2,184/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,832/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,384
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,703
−HK$1,339/mo
Today · 4.125%
HK$45,042
baseline
▲ 0.50% · 4.625%
HK$47,783
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$90,084/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,152
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,417
−HK$1,283/mo
Today · 4.125%
HK$49,700
baseline
▲ 0.50% · 4.625%
HK$52,319
+HK$2,619/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$99,400/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,448
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,987
−HK$1,562/mo
Today · 4.125%
HK$52,549
baseline
▲ 0.50% · 4.625%
HK$55,747
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,098/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,011
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,486
−HK$1,497/mo
Today · 4.125%
HK$57,983
baseline
▲ 0.50% · 4.625%
HK$61,039
+HK$3,056/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,966/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,577
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,554
−HK$2,009/mo
Today · 4.125%
HK$67,563
baseline
▲ 0.50% · 4.625%
HK$71,674
+HK$4,111/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,126/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,728
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,625
−HK$1,925/mo
Today · 4.125%
HK$74,550
baseline
▲ 0.50% · 4.625%
HK$78,479
+HK$3,929/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,100/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,861 · Scale 2, in force from 26 Feb 2026)