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$35,398
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,499
−HK$1,119/mo
Today · 4.125%
HK$37,618
baseline
▲ 0.50% · 4.625%
HK$39,906
+HK$2,288/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,236/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,380
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,436
−HK$1,071/mo
Today · 4.125%
HK$41,507
baseline
▲ 0.50% · 4.625%
HK$43,695
+HK$2,188/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,014/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$582,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,477
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,799
−HK$1,342/mo
Today · 4.125%
HK$45,141
baseline
▲ 0.50% · 4.625%
HK$47,888
+HK$2,747/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$90,282/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,256
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,523
−HK$1,286/mo
Today · 4.125%
HK$49,809
baseline
▲ 0.50% · 4.625%
HK$52,434
+HK$2,625/mo
Deposit HK$6.21M · loan HK$9.31M · min. income ≈ HK$99,618/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,557
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,098
−HK$1,567/mo
Today · 4.125%
HK$52,665
baseline
▲ 0.50% · 4.625%
HK$55,869
+HK$3,204/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,330/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,132
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,610
−HK$1,500/mo
Today · 4.125%
HK$58,110
baseline
▲ 0.50% · 4.625%
HK$61,173
+HK$3,063/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,220/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,716
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,698
−HK$2,014/mo
Today · 4.125%
HK$67,712
baseline
▲ 0.50% · 4.625%
HK$71,832
+HK$4,120/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,424/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,883
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,785
−HK$1,928/mo
Today · 4.125%
HK$74,713
baseline
▲ 0.50% · 4.625%
HK$78,651
+HK$3,938/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,426/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,136 · Scale 2, in force from 26 Feb 2026)