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$35,240
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,336
−HK$1,114/mo
Today · 4.125%
HK$37,450
baseline
▲ 0.50% · 4.625%
HK$39,728
+HK$2,278/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,900/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,204
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,255
−HK$1,067/mo
Today · 4.125%
HK$41,322
baseline
▲ 0.50% · 4.625%
HK$43,500
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,644/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,288
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,603
−HK$1,337/mo
Today · 4.125%
HK$44,940
baseline
▲ 0.50% · 4.625%
HK$47,674
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,880/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,045
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,307
−HK$1,280/mo
Today · 4.125%
HK$49,587
baseline
▲ 0.50% · 4.625%
HK$52,200
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,174/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,336
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,870
−HK$1,560/mo
Today · 4.125%
HK$52,430
baseline
▲ 0.50% · 4.625%
HK$55,620
+HK$3,190/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,860/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,886
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,358
−HK$1,493/mo
Today · 4.125%
HK$57,851
baseline
▲ 0.50% · 4.625%
HK$60,900
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,702/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,432
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,405
−HK$2,005/mo
Today · 4.125%
HK$67,410
baseline
▲ 0.50% · 4.625%
HK$71,511
+HK$4,101/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,820/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,567
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,460
−HK$1,920/mo
Today · 4.125%
HK$74,380
baseline
▲ 0.50% · 4.625%
HK$78,300
+HK$3,920/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,760/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,539 · Scale 2, in force from 26 Feb 2026)