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$35,407
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,508
−HK$1,119/mo
Today · 4.125%
HK$37,627
baseline
▲ 0.50% · 4.625%
HK$39,917
+HK$2,290/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,254/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,390
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,446
−HK$1,072/mo
Today · 4.125%
HK$41,518
baseline
▲ 0.50% · 4.625%
HK$43,706
+HK$2,188/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,036/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,488
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,810
−HK$1,343/mo
Today · 4.125%
HK$45,153
baseline
▲ 0.50% · 4.625%
HK$47,900
+HK$2,747/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,306/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,268
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,535
−HK$1,286/mo
Today · 4.125%
HK$49,821
baseline
▲ 0.50% · 4.625%
HK$52,448
+HK$2,627/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,642/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,570
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,111
−HK$1,567/mo
Today · 4.125%
HK$52,678
baseline
▲ 0.50% · 4.625%
HK$55,883
+HK$3,205/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,356/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,146
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,625
−HK$1,500/mo
Today · 4.125%
HK$58,125
baseline
▲ 0.50% · 4.625%
HK$61,189
+HK$3,064/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,250/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,732
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,715
−HK$2,014/mo
Today · 4.125%
HK$67,729
baseline
▲ 0.50% · 4.625%
HK$71,850
+HK$4,121/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,458/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,902
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,803
−HK$1,929/mo
Today · 4.125%
HK$74,732
baseline
▲ 0.50% · 4.625%
HK$78,671
+HK$3,939/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,464/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,284 · Scale 2, in force from 26 Feb 2026)