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$35,454
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,557
−HK$1,120/mo
Today · 4.125%
HK$37,677
baseline
▲ 0.50% · 4.625%
HK$39,970
+HK$2,293/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,354/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,442
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,500
−HK$1,073/mo
Today · 4.125%
HK$41,573
baseline
▲ 0.50% · 4.625%
HK$43,764
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,146/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,545
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,868
−HK$1,344/mo
Today · 4.125%
HK$45,212
baseline
▲ 0.50% · 4.625%
HK$47,964
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,424/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,330
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,600
−HK$1,288/mo
Today · 4.125%
HK$49,888
baseline
▲ 0.50% · 4.625%
HK$52,517
+HK$2,629/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,776/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,635
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,179
−HK$1,569/mo
Today · 4.125%
HK$52,748
baseline
▲ 0.50% · 4.625%
HK$55,957
+HK$3,209/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,496/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,219
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,700
−HK$1,502/mo
Today · 4.125%
HK$58,202
baseline
▲ 0.50% · 4.625%
HK$61,270
+HK$3,068/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,404/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,817
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,802
−HK$2,017/mo
Today · 4.125%
HK$67,819
baseline
▲ 0.50% · 4.625%
HK$71,945
+HK$4,126/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,638/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,996
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,900
−HK$1,931/mo
Today · 4.125%
HK$74,831
baseline
▲ 0.50% · 4.625%
HK$78,776
+HK$3,945/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,662/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,056 · Scale 2, in force from 26 Feb 2026)