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$35,370
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,471
−HK$1,117/mo
Today · 4.125%
HK$37,588
baseline
▲ 0.50% · 4.625%
HK$39,876
+HK$2,288/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,176/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,349
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,405
−HK$1,070/mo
Today · 4.125%
HK$41,475
baseline
▲ 0.50% · 4.625%
HK$43,661
+HK$2,186/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$82,950/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,444
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,765
−HK$1,341/mo
Today · 4.125%
HK$45,106
baseline
▲ 0.50% · 4.625%
HK$47,851
+HK$2,745/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$90,212/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,219
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,485
−HK$1,285/mo
Today · 4.125%
HK$49,770
baseline
▲ 0.50% · 4.625%
HK$52,394
+HK$2,624/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$99,540/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,519
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,059
−HK$1,565/mo
Today · 4.125%
HK$52,624
baseline
▲ 0.50% · 4.625%
HK$55,826
+HK$3,202/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,248/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,089
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,566
−HK$1,499/mo
Today · 4.125%
HK$58,065
baseline
▲ 0.50% · 4.625%
HK$61,126
+HK$3,061/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,130/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$581,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,667
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,647
−HK$2,012/mo
Today · 4.125%
HK$67,659
baseline
▲ 0.50% · 4.625%
HK$71,776
+HK$4,117/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,318/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,829
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,728
−HK$1,927/mo
Today · 4.125%
HK$74,655
baseline
▲ 0.50% · 4.625%
HK$78,590
+HK$3,935/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,310/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,685 · Scale 2, in force from 26 Feb 2026)