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$35,227
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,323
−HK$1,113/mo
Today · 4.125%
HK$37,436
baseline
▲ 0.50% · 4.625%
HK$39,714
+HK$2,278/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,872/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,190
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,241
−HK$1,066/mo
Today · 4.125%
HK$41,307
baseline
▲ 0.50% · 4.625%
HK$43,485
+HK$2,178/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,614/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,273
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,588
−HK$1,336/mo
Today · 4.125%
HK$44,924
baseline
▲ 0.50% · 4.625%
HK$47,657
+HK$2,733/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,848/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,028
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,289
−HK$1,280/mo
Today · 4.125%
HK$49,569
baseline
▲ 0.50% · 4.625%
HK$52,182
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,138/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,318
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,852
−HK$1,559/mo
Today · 4.125%
HK$52,411
baseline
▲ 0.50% · 4.625%
HK$55,600
+HK$3,189/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,822/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,866
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,337
−HK$1,493/mo
Today · 4.125%
HK$57,830
baseline
▲ 0.50% · 4.625%
HK$60,878
+HK$3,048/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,660/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,409
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,381
−HK$2,004/mo
Today · 4.125%
HK$67,385
baseline
▲ 0.50% · 4.625%
HK$71,486
+HK$4,101/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,770/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,542
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,434
−HK$1,919/mo
Today · 4.125%
HK$74,353
baseline
▲ 0.50% · 4.625%
HK$78,272
+HK$3,919/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,706/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,331 · Scale 2, in force from 26 Feb 2026)