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$35,466
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,570
−HK$1,120/mo
Today · 4.125%
HK$37,690
baseline
▲ 0.50% · 4.625%
HK$39,984
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,380/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,456
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,514
−HK$1,074/mo
Today · 4.125%
HK$41,588
baseline
▲ 0.50% · 4.625%
HK$43,780
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,176/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,560
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,884
−HK$1,345/mo
Today · 4.125%
HK$45,229
baseline
▲ 0.50% · 4.625%
HK$47,981
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,458/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,347
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,617
−HK$1,288/mo
Today · 4.125%
HK$49,905
baseline
▲ 0.50% · 4.625%
HK$52,536
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,810/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,653
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,197
−HK$1,570/mo
Today · 4.125%
HK$52,767
baseline
▲ 0.50% · 4.625%
HK$55,977
+HK$3,210/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,534/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,238
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,720
−HK$1,503/mo
Today · 4.125%
HK$58,223
baseline
▲ 0.50% · 4.625%
HK$61,292
+HK$3,069/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,446/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,840
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,825
−HK$2,018/mo
Today · 4.125%
HK$67,843
baseline
▲ 0.50% · 4.625%
HK$71,971
+HK$4,128/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,686/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,021
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,926
−HK$1,932/mo
Today · 4.125%
HK$74,858
baseline
▲ 0.50% · 4.625%
HK$78,804
+HK$3,946/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,716/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,264 · Scale 2, in force from 26 Feb 2026)