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$35,275
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,372
−HK$1,115/mo
Today · 4.125%
HK$37,487
baseline
▲ 0.50% · 4.625%
HK$39,768
+HK$2,281/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,974/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,243
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,296
−HK$1,067/mo
Today · 4.125%
HK$41,363
baseline
▲ 0.50% · 4.625%
HK$43,544
+HK$2,181/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,726/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,330
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,647
−HK$1,338/mo
Today · 4.125%
HK$44,985
baseline
▲ 0.50% · 4.625%
HK$47,722
+HK$2,737/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,970/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,092
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,355
−HK$1,281/mo
Today · 4.125%
HK$49,636
baseline
▲ 0.50% · 4.625%
HK$52,252
+HK$2,616/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,272/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,385
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,921
−HK$1,561/mo
Today · 4.125%
HK$52,482
baseline
▲ 0.50% · 4.625%
HK$55,675
+HK$3,193/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,964/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,940
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,414
−HK$1,495/mo
Today · 4.125%
HK$57,909
baseline
▲ 0.50% · 4.625%
HK$60,961
+HK$3,052/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,818/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,495
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,470
−HK$2,007/mo
Today · 4.125%
HK$67,477
baseline
▲ 0.50% · 4.625%
HK$71,583
+HK$4,106/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,954/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,638
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,532
−HK$1,922/mo
Today · 4.125%
HK$74,454
baseline
▲ 0.50% · 4.625%
HK$78,379
+HK$3,925/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,908/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,117 · Scale 2, in force from 26 Feb 2026)