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$35,429
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,532
−HK$1,119/mo
Today · 4.125%
HK$37,651
baseline
▲ 0.50% · 4.625%
HK$39,942
+HK$2,291/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,302/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,415
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,472
−HK$1,072/mo
Today · 4.125%
HK$41,544
baseline
▲ 0.50% · 4.625%
HK$43,734
+HK$2,190/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,088/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,515
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,838
−HK$1,343/mo
Today · 4.125%
HK$45,181
baseline
▲ 0.50% · 4.625%
HK$47,931
+HK$2,750/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,362/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,298
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,566
−HK$1,287/mo
Today · 4.125%
HK$49,853
baseline
▲ 0.50% · 4.625%
HK$52,481
+HK$2,628/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,706/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,601
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,144
−HK$1,568/mo
Today · 4.125%
HK$52,712
baseline
▲ 0.50% · 4.625%
HK$55,919
+HK$3,207/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,424/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,181
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,661
−HK$1,501/mo
Today · 4.125%
HK$58,162
baseline
▲ 0.50% · 4.625%
HK$61,228
+HK$3,066/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,324/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,773
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,757
−HK$2,015/mo
Today · 4.125%
HK$67,772
baseline
▲ 0.50% · 4.625%
HK$71,896
+HK$4,124/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,544/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,947
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,850
−HK$1,930/mo
Today · 4.125%
HK$74,780
baseline
▲ 0.50% · 4.625%
HK$78,722
+HK$3,942/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,560/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,656 · Scale 2, in force from 26 Feb 2026)