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$35,467
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,571
−HK$1,121/mo
Today · 4.125%
HK$37,692
baseline
▲ 0.50% · 4.625%
HK$39,985
+HK$2,293/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,384/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,457
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,515
−HK$1,074/mo
Today · 4.125%
HK$41,589
baseline
▲ 0.50% · 4.625%
HK$43,781
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,178/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,561
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,885
−HK$1,345/mo
Today · 4.125%
HK$45,230
baseline
▲ 0.50% · 4.625%
HK$47,982
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,460/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,349
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,618
−HK$1,289/mo
Today · 4.125%
HK$49,907
baseline
▲ 0.50% · 4.625%
HK$52,537
+HK$2,630/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,814/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,654
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,199
−HK$1,569/mo
Today · 4.125%
HK$52,768
baseline
▲ 0.50% · 4.625%
HK$55,979
+HK$3,211/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,536/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,240
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,721
−HK$1,503/mo
Today · 4.125%
HK$58,224
baseline
▲ 0.50% · 4.625%
HK$61,294
+HK$3,070/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,448/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,841
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,827
−HK$2,018/mo
Today · 4.125%
HK$67,845
baseline
▲ 0.50% · 4.625%
HK$71,973
+HK$4,128/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,690/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,023
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,928
−HK$1,932/mo
Today · 4.125%
HK$74,860
baseline
▲ 0.50% · 4.625%
HK$78,806
+HK$3,946/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,720/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,280 · Scale 2, in force from 26 Feb 2026)