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$35,421
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,522
−HK$1,120/mo
Today · 4.125%
HK$37,642
baseline
▲ 0.50% · 4.625%
HK$39,932
+HK$2,290/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,284/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,405
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,462
−HK$1,072/mo
Today · 4.125%
HK$41,534
baseline
▲ 0.50% · 4.625%
HK$43,723
+HK$2,189/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,068/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,505
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,827
−HK$1,343/mo
Today · 4.125%
HK$45,170
baseline
▲ 0.50% · 4.625%
HK$47,919
+HK$2,749/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,340/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,286
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,554
−HK$1,287/mo
Today · 4.125%
HK$49,841
baseline
▲ 0.50% · 4.625%
HK$52,468
+HK$2,627/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,682/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,589
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,131
−HK$1,567/mo
Today · 4.125%
HK$52,698
baseline
▲ 0.50% · 4.625%
HK$55,905
+HK$3,207/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,396/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,167
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,647
−HK$1,501/mo
Today · 4.125%
HK$58,148
baseline
▲ 0.50% · 4.625%
HK$61,213
+HK$3,065/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,296/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,757
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,740
−HK$2,015/mo
Today · 4.125%
HK$67,755
baseline
▲ 0.50% · 4.625%
HK$71,878
+HK$4,123/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,510/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,929
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,831
−HK$1,930/mo
Today · 4.125%
HK$74,761
baseline
▲ 0.50% · 4.625%
HK$78,702
+HK$3,941/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,522/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,510 · Scale 2, in force from 26 Feb 2026)