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$35,427
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,529
−HK$1,119/mo
Today · 4.125%
HK$37,648
baseline
▲ 0.50% · 4.625%
HK$39,939
+HK$2,291/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$75,296/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,412
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,469
−HK$1,072/mo
Today · 4.125%
HK$41,541
baseline
▲ 0.50% · 4.625%
HK$43,731
+HK$2,190/mo
Deposit HK$7.77M · loan HK$7.77M · min. income ≈ HK$83,082/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,512
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,834
−HK$1,344/mo
Today · 4.125%
HK$45,178
baseline
▲ 0.50% · 4.625%
HK$47,927
+HK$2,749/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,356/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,294
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,563
−HK$1,286/mo
Today · 4.125%
HK$49,849
baseline
▲ 0.50% · 4.625%
HK$52,477
+HK$2,628/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,698/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$582,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,597
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,140
−HK$1,567/mo
Today · 4.125%
HK$52,707
baseline
▲ 0.50% · 4.625%
HK$55,915
+HK$3,208/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$105,414/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,176
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,656
−HK$1,501/mo
Today · 4.125%
HK$58,157
baseline
▲ 0.50% · 4.625%
HK$61,223
+HK$3,066/mo
Deposit HK$4.66M · loan HK$10.88M · min. income ≈ HK$116,314/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,768
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,751
−HK$2,016/mo
Today · 4.125%
HK$67,767
baseline
▲ 0.50% · 4.625%
HK$71,890
+HK$4,123/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$135,534/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,941
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,844
−HK$1,930/mo
Today · 4.125%
HK$74,774
baseline
▲ 0.50% · 4.625%
HK$78,715
+HK$3,941/mo
Deposit HK$1.55M · loan HK$13.98M · min. income ≈ HK$149,548/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$582,610 · Scale 2, in force from 26 Feb 2026)