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$35,471
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,574
−HK$1,121/mo
Today · 4.125%
HK$37,695
baseline
▲ 0.50% · 4.625%
HK$39,988
+HK$2,293/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,390/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,461
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,519
−HK$1,074/mo
Today · 4.125%
HK$41,593
baseline
▲ 0.50% · 4.625%
HK$43,785
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,186/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,565
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,889
−HK$1,345/mo
Today · 4.125%
HK$45,234
baseline
▲ 0.50% · 4.625%
HK$47,986
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,468/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,353
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,623
−HK$1,288/mo
Today · 4.125%
HK$49,911
baseline
▲ 0.50% · 4.625%
HK$52,542
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,822/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,659
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,203
−HK$1,570/mo
Today · 4.125%
HK$52,773
baseline
▲ 0.50% · 4.625%
HK$55,984
+HK$3,211/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,546/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,245
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,726
−HK$1,504/mo
Today · 4.125%
HK$58,230
baseline
▲ 0.50% · 4.625%
HK$61,299
+HK$3,069/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,460/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,847
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,833
−HK$2,018/mo
Today · 4.125%
HK$67,851
baseline
▲ 0.50% · 4.625%
HK$71,979
+HK$4,128/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,702/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,029
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,934
−HK$1,933/mo
Today · 4.125%
HK$74,867
baseline
▲ 0.50% · 4.625%
HK$78,813
+HK$3,946/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,734/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,332 · Scale 2, in force from 26 Feb 2026)