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$35,406
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,507
−HK$1,119/mo
Today · 4.125%
HK$37,626
baseline
▲ 0.50% · 4.625%
HK$39,916
+HK$2,290/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,252/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,389
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,445
−HK$1,072/mo
Today · 4.125%
HK$41,517
baseline
▲ 0.50% · 4.625%
HK$43,705
+HK$2,188/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,034/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,487
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,809
−HK$1,343/mo
Today · 4.125%
HK$45,152
baseline
▲ 0.50% · 4.625%
HK$47,899
+HK$2,747/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,304/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,267
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,534
−HK$1,286/mo
Today · 4.125%
HK$49,820
baseline
▲ 0.50% · 4.625%
HK$52,446
+HK$2,626/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,640/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,568
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,110
−HK$1,567/mo
Today · 4.125%
HK$52,677
baseline
▲ 0.50% · 4.625%
HK$55,882
+HK$3,205/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,354/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,144
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,623
−HK$1,501/mo
Today · 4.125%
HK$58,124
baseline
▲ 0.50% · 4.625%
HK$61,187
+HK$3,063/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,248/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,731
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,713
−HK$2,014/mo
Today · 4.125%
HK$67,727
baseline
▲ 0.50% · 4.625%
HK$71,848
+HK$4,121/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,454/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,900
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,801
−HK$1,929/mo
Today · 4.125%
HK$74,730
baseline
▲ 0.50% · 4.625%
HK$78,670
+HK$3,940/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,460/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,271 · Scale 2, in force from 26 Feb 2026)