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$35,417
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,519
−HK$1,119/mo
Today · 4.125%
HK$37,638
baseline
▲ 0.50% · 4.625%
HK$39,928
+HK$2,290/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,276/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,401
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,458
−HK$1,072/mo
Today · 4.125%
HK$41,530
baseline
▲ 0.50% · 4.625%
HK$43,719
+HK$2,189/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,060/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,500
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,822
−HK$1,343/mo
Today · 4.125%
HK$45,165
baseline
▲ 0.50% · 4.625%
HK$47,914
+HK$2,749/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,330/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,281
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,549
−HK$1,287/mo
Today · 4.125%
HK$49,836
baseline
▲ 0.50% · 4.625%
HK$52,463
+HK$2,627/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,672/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,584
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,126
−HK$1,567/mo
Today · 4.125%
HK$52,693
baseline
▲ 0.50% · 4.625%
HK$55,899
+HK$3,206/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,386/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,161
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,641
−HK$1,501/mo
Today · 4.125%
HK$58,142
baseline
▲ 0.50% · 4.625%
HK$61,206
+HK$3,064/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,284/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,750
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,733
−HK$2,015/mo
Today · 4.125%
HK$67,748
baseline
▲ 0.50% · 4.625%
HK$71,870
+HK$4,122/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,496/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,922
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,824
−HK$1,929/mo
Today · 4.125%
HK$74,753
baseline
▲ 0.50% · 4.625%
HK$78,694
+HK$3,941/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,506/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,450 · Scale 2, in force from 26 Feb 2026)