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$35,318
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,416
−HK$1,116/mo
Today · 4.125%
HK$37,532
baseline
▲ 0.50% · 4.625%
HK$39,816
+HK$2,284/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,064/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,290
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,344
−HK$1,069/mo
Today · 4.125%
HK$41,413
baseline
▲ 0.50% · 4.625%
HK$43,596
+HK$2,183/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,826/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,381
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,699
−HK$1,340/mo
Today · 4.125%
HK$45,039
baseline
▲ 0.50% · 4.625%
HK$47,779
+HK$2,740/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$90,078/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,148
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,413
−HK$1,283/mo
Today · 4.125%
HK$49,696
baseline
▲ 0.50% · 4.625%
HK$52,315
+HK$2,619/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$99,392/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,445
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,983
−HK$1,562/mo
Today · 4.125%
HK$52,545
baseline
▲ 0.50% · 4.625%
HK$55,742
+HK$3,197/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,090/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,007
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,482
−HK$1,496/mo
Today · 4.125%
HK$57,978
baseline
▲ 0.50% · 4.625%
HK$61,035
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,956/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,572
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,549
−HK$2,009/mo
Today · 4.125%
HK$67,558
baseline
▲ 0.50% · 4.625%
HK$71,669
+HK$4,111/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,116/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,723
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,619
−HK$1,925/mo
Today · 4.125%
HK$74,544
baseline
▲ 0.50% · 4.625%
HK$78,473
+HK$3,929/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,088/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,816 · Scale 2, in force from 26 Feb 2026)