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$35,186
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,280
−HK$1,112/mo
Today · 4.125%
HK$37,392
baseline
▲ 0.50% · 4.625%
HK$39,667
+HK$2,275/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,784/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,144
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,194
−HK$1,065/mo
Today · 4.125%
HK$41,259
baseline
▲ 0.50% · 4.625%
HK$43,433
+HK$2,174/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,518/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,223
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,536
−HK$1,335/mo
Today · 4.125%
HK$44,871
baseline
▲ 0.50% · 4.625%
HK$47,601
+HK$2,730/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,742/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,973
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,232
−HK$1,278/mo
Today · 4.125%
HK$49,510
baseline
▲ 0.50% · 4.625%
HK$52,120
+HK$2,610/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,020/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,260
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,792
−HK$1,557/mo
Today · 4.125%
HK$52,349
baseline
▲ 0.50% · 4.625%
HK$55,534
+HK$3,185/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,698/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,801
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,271
−HK$1,491/mo
Today · 4.125%
HK$57,762
baseline
▲ 0.50% · 4.625%
HK$60,807
+HK$3,045/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,524/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,334
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,304
−HK$2,002/mo
Today · 4.125%
HK$67,306
baseline
▲ 0.50% · 4.625%
HK$71,401
+HK$4,095/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,612/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,459
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,348
−HK$1,917/mo
Today · 4.125%
HK$74,265
baseline
▲ 0.50% · 4.625%
HK$78,180
+HK$3,915/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,530/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,648 · Scale 2, in force from 26 Feb 2026)