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$35,446
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,548
−HK$1,120/mo
Today · 4.125%
HK$37,668
baseline
▲ 0.50% · 4.625%
HK$39,960
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,336/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$582,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,433
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,490
−HK$1,073/mo
Today · 4.125%
HK$41,563
baseline
▲ 0.50% · 4.625%
HK$43,754
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,126/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$582,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,535
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,858
−HK$1,344/mo
Today · 4.125%
HK$45,202
baseline
▲ 0.50% · 4.625%
HK$47,952
+HK$2,750/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,404/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,319
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,588
−HK$1,288/mo
Today · 4.125%
HK$49,876
baseline
▲ 0.50% · 4.625%
HK$52,505
+HK$2,629/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,752/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,624
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,167
−HK$1,569/mo
Today · 4.125%
HK$52,736
baseline
▲ 0.50% · 4.625%
HK$55,944
+HK$3,208/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,472/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,206
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,687
−HK$1,502/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,256
+HK$3,067/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,378/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$582,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,802
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,787
−HK$2,016/mo
Today · 4.125%
HK$67,803
baseline
▲ 0.50% · 4.625%
HK$71,929
+HK$4,126/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,606/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,979
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,883
−HK$1,931/mo
Today · 4.125%
HK$74,814
baseline
▲ 0.50% · 4.625%
HK$78,757
+HK$3,943/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,628/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,921 · Scale 2, in force from 26 Feb 2026)