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$35,462
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,565
−HK$1,120/mo
Today · 4.125%
HK$37,685
baseline
▲ 0.50% · 4.625%
HK$39,978
+HK$2,293/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,370/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,451
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,509
−HK$1,073/mo
Today · 4.125%
HK$41,582
baseline
▲ 0.50% · 4.625%
HK$43,774
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,164/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,554
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,878
−HK$1,344/mo
Today · 4.125%
HK$45,222
baseline
▲ 0.50% · 4.625%
HK$47,974
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,444/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,341
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,610
−HK$1,288/mo
Today · 4.125%
HK$49,898
baseline
▲ 0.50% · 4.625%
HK$52,529
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,796/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,646
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,190
−HK$1,569/mo
Today · 4.125%
HK$52,759
baseline
▲ 0.50% · 4.625%
HK$55,970
+HK$3,211/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,518/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,231
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,712
−HK$1,503/mo
Today · 4.125%
HK$58,215
baseline
▲ 0.50% · 4.625%
HK$61,283
+HK$3,068/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,430/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,831
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,816
−HK$2,018/mo
Today · 4.125%
HK$67,834
baseline
▲ 0.50% · 4.625%
HK$71,961
+HK$4,127/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,668/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,011
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,916
−HK$1,932/mo
Today · 4.125%
HK$74,848
baseline
▲ 0.50% · 4.625%
HK$78,793
+HK$3,945/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,696/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,184 · Scale 2, in force from 26 Feb 2026)