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$35,411
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,512
−HK$1,119/mo
Today · 4.125%
HK$37,631
baseline
▲ 0.50% · 4.625%
HK$39,921
+HK$2,290/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,262/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,394
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,451
−HK$1,071/mo
Today · 4.125%
HK$41,522
baseline
▲ 0.50% · 4.625%
HK$43,711
+HK$2,189/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,044/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,493
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,815
−HK$1,343/mo
Today · 4.125%
HK$45,158
baseline
▲ 0.50% · 4.625%
HK$47,905
+HK$2,747/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,316/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,273
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,541
−HK$1,286/mo
Today · 4.125%
HK$49,827
baseline
▲ 0.50% · 4.625%
HK$52,453
+HK$2,626/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,654/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,575
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,117
−HK$1,567/mo
Today · 4.125%
HK$52,684
baseline
▲ 0.50% · 4.625%
HK$55,889
+HK$3,205/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,368/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,152
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,631
−HK$1,500/mo
Today · 4.125%
HK$58,131
baseline
▲ 0.50% · 4.625%
HK$61,196
+HK$3,065/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,262/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,739
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,722
−HK$2,014/mo
Today · 4.125%
HK$67,736
baseline
▲ 0.50% · 4.625%
HK$71,858
+HK$4,122/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,472/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,909
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,811
−HK$1,929/mo
Today · 4.125%
HK$74,740
baseline
▲ 0.50% · 4.625%
HK$78,680
+HK$3,940/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,480/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,348 · Scale 2, in force from 26 Feb 2026)