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$35,459
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,562
−HK$1,121/mo
Today · 4.125%
HK$37,683
baseline
▲ 0.50% · 4.625%
HK$39,976
+HK$2,293/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,366/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,448
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,506
−HK$1,074/mo
Today · 4.125%
HK$41,580
baseline
▲ 0.50% · 4.625%
HK$43,771
+HK$2,191/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,160/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,551
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,875
−HK$1,345/mo
Today · 4.125%
HK$45,220
baseline
▲ 0.50% · 4.625%
HK$47,971
+HK$2,751/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,440/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,338
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,607
−HK$1,288/mo
Today · 4.125%
HK$49,895
baseline
▲ 0.50% · 4.625%
HK$52,525
+HK$2,630/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,790/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,643
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,187
−HK$1,569/mo
Today · 4.125%
HK$52,756
baseline
▲ 0.50% · 4.625%
HK$55,966
+HK$3,210/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,512/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,228
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,709
−HK$1,502/mo
Today · 4.125%
HK$58,211
baseline
▲ 0.50% · 4.625%
HK$61,280
+HK$3,069/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,422/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,827
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,812
−HK$2,017/mo
Today · 4.125%
HK$67,829
baseline
▲ 0.50% · 4.625%
HK$71,957
+HK$4,128/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,658/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,007
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,911
−HK$1,932/mo
Today · 4.125%
HK$74,843
baseline
▲ 0.50% · 4.625%
HK$78,788
+HK$3,945/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,686/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,149 · Scale 2, in force from 26 Feb 2026)