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$2,223/mo
▼ 0.25% · 3.875%
HK$36,549
−HK$1,120/mo
Today · 4.125%
HK$37,669
baseline
▲ 0.50% · 4.625%
HK$39,961
+HK$2,292/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,338/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$582,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,433
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,491
−HK$1,073/mo
Today · 4.125%
HK$41,564
baseline
▲ 0.50% · 4.625%
HK$43,755
+HK$2,191/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,128/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$582,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,535
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,858
−HK$1,345/mo
Today · 4.125%
HK$45,203
baseline
▲ 0.50% · 4.625%
HK$47,953
+HK$2,750/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,406/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,320
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,589
−HK$1,288/mo
Today · 4.125%
HK$49,877
baseline
▲ 0.50% · 4.625%
HK$52,506
+HK$2,629/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,754/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,625
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,168
−HK$1,568/mo
Today · 4.125%
HK$52,736
baseline
▲ 0.50% · 4.625%
HK$55,945
+HK$3,209/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$582,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,207
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,687
−HK$1,502/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,257
+HK$3,068/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$582,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,803
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,788
−HK$2,016/mo
Today · 4.125%
HK$67,804
baseline
▲ 0.50% · 4.625%
HK$71,930
+HK$4,126/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$135,608/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,980
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,884
−HK$1,931/mo
Today · 4.125%
HK$74,815
baseline
▲ 0.50% · 4.625%
HK$78,759
+HK$3,944/mo
Deposit HK$1.55M · loan HK$13.99M · min. income ≈ HK$149,630/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,930 · Scale 2, in force from 26 Feb 2026)