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$35,471
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,575
−HK$1,121/mo
Today · 4.125%
HK$37,696
baseline
▲ 0.50% · 4.625%
HK$39,989
+HK$2,293/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,392/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,461
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,520
−HK$1,073/mo
Today · 4.125%
HK$41,593
baseline
▲ 0.50% · 4.625%
HK$43,786
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,186/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,566
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,890
−HK$1,345/mo
Today · 4.125%
HK$45,235
baseline
▲ 0.50% · 4.625%
HK$47,987
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,470/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,354
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,624
−HK$1,288/mo
Today · 4.125%
HK$49,912
baseline
▲ 0.50% · 4.625%
HK$52,543
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,824/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,660
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,205
−HK$1,569/mo
Today · 4.125%
HK$52,774
baseline
▲ 0.50% · 4.625%
HK$55,985
+HK$3,211/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,548/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,246
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,728
−HK$1,503/mo
Today · 4.125%
HK$58,231
baseline
▲ 0.50% · 4.625%
HK$61,300
+HK$3,069/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,462/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,848
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,834
−HK$2,018/mo
Today · 4.125%
HK$67,852
baseline
▲ 0.50% · 4.625%
HK$71,981
+HK$4,129/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,704/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,031
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,936
−HK$1,932/mo
Today · 4.125%
HK$74,868
baseline
▲ 0.50% · 4.625%
HK$78,815
+HK$3,947/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,736/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,344 · Scale 2, in force from 26 Feb 2026)