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$35,460
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,563
−HK$1,121/mo
Today · 4.125%
HK$37,684
baseline
▲ 0.50% · 4.625%
HK$39,977
+HK$2,293/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,368/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,449
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,507
−HK$1,074/mo
Today · 4.125%
HK$41,581
baseline
▲ 0.50% · 4.625%
HK$43,772
+HK$2,191/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,162/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,553
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,876
−HK$1,345/mo
Today · 4.125%
HK$45,221
baseline
▲ 0.50% · 4.625%
HK$47,973
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,442/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,339
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,609
−HK$1,288/mo
Today · 4.125%
HK$49,897
baseline
▲ 0.50% · 4.625%
HK$52,527
+HK$2,630/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,794/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$583,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,645
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,189
−HK$1,569/mo
Today · 4.125%
HK$52,758
baseline
▲ 0.50% · 4.625%
HK$55,968
+HK$3,210/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,516/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,229
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,710
−HK$1,503/mo
Today · 4.125%
HK$58,213
baseline
▲ 0.50% · 4.625%
HK$61,281
+HK$3,068/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,426/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,829
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,814
−HK$2,017/mo
Today · 4.125%
HK$67,831
baseline
▲ 0.50% · 4.625%
HK$71,959
+HK$4,128/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,662/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,009
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,913
−HK$1,932/mo
Today · 4.125%
HK$74,845
baseline
▲ 0.50% · 4.625%
HK$78,790
+HK$3,945/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,690/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,166 · Scale 2, in force from 26 Feb 2026)