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$35,456
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,559
−HK$1,120/mo
Today · 4.125%
HK$37,679
baseline
▲ 0.50% · 4.625%
HK$39,972
+HK$2,293/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,358/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,444
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,502
−HK$1,073/mo
Today · 4.125%
HK$41,575
baseline
▲ 0.50% · 4.625%
HK$43,767
+HK$2,192/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,150/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,547
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,871
−HK$1,344/mo
Today · 4.125%
HK$45,215
baseline
▲ 0.50% · 4.625%
HK$47,966
+HK$2,751/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,430/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,333
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,603
−HK$1,287/mo
Today · 4.125%
HK$49,890
baseline
▲ 0.50% · 4.625%
HK$52,520
+HK$2,630/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,780/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,638
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,182
−HK$1,569/mo
Today · 4.125%
HK$52,751
baseline
▲ 0.50% · 4.625%
HK$55,961
+HK$3,210/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,502/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,222
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,703
−HK$1,503/mo
Today · 4.125%
HK$58,206
baseline
▲ 0.50% · 4.625%
HK$61,274
+HK$3,068/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,412/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,821
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,806
−HK$2,017/mo
Today · 4.125%
HK$67,823
baseline
▲ 0.50% · 4.625%
HK$71,950
+HK$4,127/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,646/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,000
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,904
−HK$1,932/mo
Today · 4.125%
HK$74,836
baseline
▲ 0.50% · 4.625%
HK$78,780
+HK$3,944/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,672/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,091 · Scale 2, in force from 26 Feb 2026)