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$35,300
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,398
−HK$1,116/mo
Today · 4.125%
HK$37,514
baseline
▲ 0.50% · 4.625%
HK$39,796
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,028/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,271
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,324
−HK$1,069/mo
Today · 4.125%
HK$41,393
baseline
▲ 0.50% · 4.625%
HK$43,574
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,786/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,360
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,678
−HK$1,338/mo
Today · 4.125%
HK$45,016
baseline
▲ 0.50% · 4.625%
HK$47,755
+HK$2,739/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,032/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,125
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,389
−HK$1,282/mo
Today · 4.125%
HK$49,671
baseline
▲ 0.50% · 4.625%
HK$52,289
+HK$2,618/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,342/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,420
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,957
−HK$1,562/mo
Today · 4.125%
HK$52,519
baseline
▲ 0.50% · 4.625%
HK$55,715
+HK$3,196/mo
Deposit HK$4.64M · loan HK$10.84M · min. income ≈ HK$105,038/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,979
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,454
−HK$1,496/mo
Today · 4.125%
HK$57,950
baseline
▲ 0.50% · 4.625%
HK$61,004
+HK$3,054/mo
Deposit HK$4.64M · loan HK$10.84M · min. income ≈ HK$115,900/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,540
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,516
−HK$2,008/mo
Today · 4.125%
HK$67,524
baseline
▲ 0.50% · 4.625%
HK$71,633
+HK$4,109/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,048/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,688
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,583
−HK$1,924/mo
Today · 4.125%
HK$74,507
baseline
▲ 0.50% · 4.625%
HK$78,434
+HK$3,927/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$149,014/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,527 · Scale 2, in force from 26 Feb 2026)