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$35,273
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,370
−HK$1,114/mo
Today · 4.125%
HK$37,484
baseline
▲ 0.50% · 4.625%
HK$39,765
+HK$2,281/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,968/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$580,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,240
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,293
−HK$1,067/mo
Today · 4.125%
HK$41,360
baseline
▲ 0.50% · 4.625%
HK$43,541
+HK$2,181/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,720/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$580,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,327
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,644
−HK$1,337/mo
Today · 4.125%
HK$44,981
baseline
▲ 0.50% · 4.625%
HK$47,718
+HK$2,737/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,962/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,088
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,351
−HK$1,281/mo
Today · 4.125%
HK$49,632
baseline
▲ 0.50% · 4.625%
HK$52,249
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,264/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,382
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,918
−HK$1,560/mo
Today · 4.125%
HK$52,478
baseline
▲ 0.50% · 4.625%
HK$55,671
+HK$3,193/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,956/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,936
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,410
−HK$1,494/mo
Today · 4.125%
HK$57,904
baseline
▲ 0.50% · 4.625%
HK$60,957
+HK$3,053/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,808/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,491
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,465
−HK$2,007/mo
Today · 4.125%
HK$67,472
baseline
▲ 0.50% · 4.625%
HK$71,577
+HK$4,105/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,944/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,633
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,527
−HK$1,922/mo
Today · 4.125%
HK$74,449
baseline
▲ 0.50% · 4.625%
HK$78,373
+HK$3,924/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,898/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,075 · Scale 2, in force from 26 Feb 2026)