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$35,286
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,383
−HK$1,115/mo
Today · 4.125%
HK$37,498
baseline
▲ 0.50% · 4.625%
HK$39,780
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$74,996/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,255
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,308
−HK$1,068/mo
Today · 4.125%
HK$41,376
baseline
▲ 0.50% · 4.625%
HK$43,557
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,752/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,343
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,660
−HK$1,338/mo
Today · 4.125%
HK$44,998
baseline
▲ 0.50% · 4.625%
HK$47,736
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,996/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,106
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,369
−HK$1,282/mo
Today · 4.125%
HK$49,651
baseline
▲ 0.50% · 4.625%
HK$52,268
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,302/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,400
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,936
−HK$1,562/mo
Today · 4.125%
HK$52,498
baseline
▲ 0.50% · 4.625%
HK$55,692
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,996/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,957
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,431
−HK$1,495/mo
Today · 4.125%
HK$57,926
baseline
▲ 0.50% · 4.625%
HK$60,979
+HK$3,053/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,852/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,514
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,490
−HK$2,007/mo
Today · 4.125%
HK$67,497
baseline
▲ 0.50% · 4.625%
HK$71,604
+HK$4,107/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$134,994/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,659
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,554
−HK$1,922/mo
Today · 4.125%
HK$74,476
baseline
▲ 0.50% · 4.625%
HK$78,402
+HK$3,926/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,952/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,290 · Scale 2, in force from 26 Feb 2026)