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$35,230
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,326
−HK$1,113/mo
Today · 4.125%
HK$37,439
baseline
▲ 0.50% · 4.625%
HK$39,717
+HK$2,278/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,878/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,193
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,244
−HK$1,066/mo
Today · 4.125%
HK$41,310
baseline
▲ 0.50% · 4.625%
HK$43,488
+HK$2,178/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,620/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,276
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,591
−HK$1,336/mo
Today · 4.125%
HK$44,927
baseline
▲ 0.50% · 4.625%
HK$47,661
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,854/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,031
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,293
−HK$1,279/mo
Today · 4.125%
HK$49,572
baseline
▲ 0.50% · 4.625%
HK$52,185
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,144/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,322
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,856
−HK$1,559/mo
Today · 4.125%
HK$52,415
baseline
▲ 0.50% · 4.625%
HK$55,604
+HK$3,189/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,830/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,870
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,342
−HK$1,492/mo
Today · 4.125%
HK$57,834
baseline
▲ 0.50% · 4.625%
HK$60,883
+HK$3,049/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,668/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,414
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,386
−HK$2,004/mo
Today · 4.125%
HK$67,390
baseline
▲ 0.50% · 4.625%
HK$71,491
+HK$4,101/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,780/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,547
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,439
−HK$1,919/mo
Today · 4.125%
HK$74,358
baseline
▲ 0.50% · 4.625%
HK$78,278
+HK$3,920/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,716/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,373 · Scale 2, in force from 26 Feb 2026)