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$35,279
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,376
−HK$1,115/mo
Today · 4.125%
HK$37,491
baseline
▲ 0.50% · 4.625%
HK$39,772
+HK$2,281/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$74,982/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,247
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,300
−HK$1,068/mo
Today · 4.125%
HK$41,368
baseline
▲ 0.50% · 4.625%
HK$43,548
+HK$2,180/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,736/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,334
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,651
−HK$1,338/mo
Today · 4.125%
HK$44,989
baseline
▲ 0.50% · 4.625%
HK$47,727
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,978/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,097
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,360
−HK$1,281/mo
Today · 4.125%
HK$49,641
baseline
▲ 0.50% · 4.625%
HK$52,258
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,282/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,390
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,927
−HK$1,560/mo
Today · 4.125%
HK$52,487
baseline
▲ 0.50% · 4.625%
HK$55,681
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,974/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,946
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,420
−HK$1,495/mo
Today · 4.125%
HK$57,915
baseline
▲ 0.50% · 4.625%
HK$60,967
+HK$3,052/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,830/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,502
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,477
−HK$2,007/mo
Today · 4.125%
HK$67,484
baseline
▲ 0.50% · 4.625%
HK$71,590
+HK$4,106/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,968/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,645
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,540
−HK$1,922/mo
Today · 4.125%
HK$74,462
baseline
▲ 0.50% · 4.625%
HK$78,387
+HK$3,925/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,924/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,177 · Scale 2, in force from 26 Feb 2026)