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$35,264
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,361
−HK$1,114/mo
Today · 4.125%
HK$37,475
baseline
▲ 0.50% · 4.625%
HK$39,756
+HK$2,281/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,950/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,231
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,283
−HK$1,067/mo
Today · 4.125%
HK$41,350
baseline
▲ 0.50% · 4.625%
HK$43,530
+HK$2,180/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,700/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,317
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,633
−HK$1,338/mo
Today · 4.125%
HK$44,971
baseline
▲ 0.50% · 4.625%
HK$47,707
+HK$2,736/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,942/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$579,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,077
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,340
−HK$1,281/mo
Today · 4.125%
HK$49,621
baseline
▲ 0.50% · 4.625%
HK$52,236
+HK$2,615/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,242/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$579,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,370
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,905
−HK$1,561/mo
Today · 4.125%
HK$52,466
baseline
▲ 0.50% · 4.625%
HK$55,658
+HK$3,192/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,932/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,923
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,396
−HK$1,495/mo
Today · 4.125%
HK$57,891
baseline
▲ 0.50% · 4.625%
HK$60,942
+HK$3,051/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,782/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,475
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,450
−HK$2,006/mo
Today · 4.125%
HK$67,456
baseline
▲ 0.50% · 4.625%
HK$71,560
+HK$4,104/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,912/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,616
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,510
−HK$1,921/mo
Today · 4.125%
HK$74,431
baseline
▲ 0.50% · 4.625%
HK$78,354
+HK$3,923/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,862/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,937 · Scale 2, in force from 26 Feb 2026)