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$35,282
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,380
−HK$1,115/mo
Today · 4.125%
HK$37,495
baseline
▲ 0.50% · 4.625%
HK$39,776
+HK$2,281/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$74,990/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,251
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,304
−HK$1,068/mo
Today · 4.125%
HK$41,372
baseline
▲ 0.50% · 4.625%
HK$43,553
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,744/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,339
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,656
−HK$1,338/mo
Today · 4.125%
HK$44,994
baseline
▲ 0.50% · 4.625%
HK$47,732
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,988/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,102
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,365
−HK$1,281/mo
Today · 4.125%
HK$49,646
baseline
▲ 0.50% · 4.625%
HK$52,263
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,292/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,395
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,932
−HK$1,561/mo
Today · 4.125%
HK$52,493
baseline
▲ 0.50% · 4.625%
HK$55,687
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,986/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,952
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,426
−HK$1,495/mo
Today · 4.125%
HK$57,921
baseline
▲ 0.50% · 4.625%
HK$60,974
+HK$3,053/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,842/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,508
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,484
−HK$2,007/mo
Today · 4.125%
HK$67,491
baseline
▲ 0.50% · 4.625%
HK$71,597
+HK$4,106/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$134,982/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,652
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,547
−HK$1,922/mo
Today · 4.125%
HK$74,469
baseline
▲ 0.50% · 4.625%
HK$78,395
+HK$3,926/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,938/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,238 · Scale 2, in force from 26 Feb 2026)