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$35,408
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,509
−HK$1,119/mo
Today · 4.125%
HK$37,628
baseline
▲ 0.50% · 4.625%
HK$39,917
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,256/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,391
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,447
−HK$1,072/mo
Today · 4.125%
HK$41,519
baseline
▲ 0.50% · 4.625%
HK$43,707
+HK$2,188/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,038/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,489
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,811
−HK$1,342/mo
Today · 4.125%
HK$45,153
baseline
▲ 0.50% · 4.625%
HK$47,901
+HK$2,748/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,306/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,269
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,536
−HK$1,286/mo
Today · 4.125%
HK$49,822
baseline
▲ 0.50% · 4.625%
HK$52,449
+HK$2,627/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,644/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,571
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,112
−HK$1,567/mo
Today · 4.125%
HK$52,679
baseline
▲ 0.50% · 4.625%
HK$55,884
+HK$3,205/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,358/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,147
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,626
−HK$1,500/mo
Today · 4.125%
HK$58,126
baseline
▲ 0.50% · 4.625%
HK$61,190
+HK$3,064/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,252/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,734
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,716
−HK$2,014/mo
Today · 4.125%
HK$67,730
baseline
▲ 0.50% · 4.625%
HK$71,851
+HK$4,121/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,460/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,903
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,804
−HK$1,930/mo
Today · 4.125%
HK$74,734
baseline
▲ 0.50% · 4.625%
HK$78,673
+HK$3,939/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,468/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,295 · Scale 2, in force from 26 Feb 2026)