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$35,193
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,288
−HK$1,112/mo
Today · 4.125%
HK$37,400
baseline
▲ 0.50% · 4.625%
HK$39,676
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,800/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,152
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,202
−HK$1,065/mo
Today · 4.125%
HK$41,267
baseline
▲ 0.50% · 4.625%
HK$43,443
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,534/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,232
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,546
−HK$1,334/mo
Today · 4.125%
HK$44,880
baseline
▲ 0.50% · 4.625%
HK$47,611
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,760/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,983
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,243
−HK$1,278/mo
Today · 4.125%
HK$49,521
baseline
▲ 0.50% · 4.625%
HK$52,131
+HK$2,610/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,042/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,271
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,803
−HK$1,557/mo
Today · 4.125%
HK$52,360
baseline
▲ 0.50% · 4.625%
HK$55,546
+HK$3,186/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,720/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,813
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,283
−HK$1,491/mo
Today · 4.125%
HK$57,774
baseline
▲ 0.50% · 4.625%
HK$60,820
+HK$3,046/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,548/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,348
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,318
−HK$2,002/mo
Today · 4.125%
HK$67,320
baseline
▲ 0.50% · 4.625%
HK$71,417
+HK$4,097/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,640/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,474
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,364
−HK$1,917/mo
Today · 4.125%
HK$74,281
baseline
▲ 0.50% · 4.625%
HK$78,197
+HK$3,916/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,562/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,773 · Scale 2, in force from 26 Feb 2026)