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$35,439
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,541
−HK$1,120/mo
Today · 4.125%
HK$37,661
baseline
▲ 0.50% · 4.625%
HK$39,953
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,322/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,425
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,483
−HK$1,072/mo
Today · 4.125%
HK$41,555
baseline
▲ 0.50% · 4.625%
HK$43,746
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,110/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,527
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,849
−HK$1,344/mo
Today · 4.125%
HK$45,193
baseline
▲ 0.50% · 4.625%
HK$47,943
+HK$2,750/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$90,386/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,310
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,579
−HK$1,287/mo
Today · 4.125%
HK$49,866
baseline
▲ 0.50% · 4.625%
HK$52,495
+HK$2,629/mo
Deposit HK$6.22M · loan HK$9.32M · min. income ≈ HK$99,732/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,614
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,158
−HK$1,568/mo
Today · 4.125%
HK$52,726
baseline
▲ 0.50% · 4.625%
HK$55,934
+HK$3,208/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,452/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,195
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,676
−HK$1,501/mo
Today · 4.125%
HK$58,177
baseline
▲ 0.50% · 4.625%
HK$61,244
+HK$3,067/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,354/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,790
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,774
−HK$2,016/mo
Today · 4.125%
HK$67,790
baseline
▲ 0.50% · 4.625%
HK$71,915
+HK$4,125/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,580/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,965
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,869
−HK$1,931/mo
Today · 4.125%
HK$74,800
baseline
▲ 0.50% · 4.625%
HK$78,742
+HK$3,942/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,600/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,809 · Scale 2, in force from 26 Feb 2026)