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$35,199
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,293
−HK$1,113/mo
Today · 4.125%
HK$37,406
baseline
▲ 0.50% · 4.625%
HK$39,682
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,812/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,158
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,208
−HK$1,066/mo
Today · 4.125%
HK$41,274
baseline
▲ 0.50% · 4.625%
HK$43,449
+HK$2,175/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,548/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,238
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,552
−HK$1,335/mo
Today · 4.125%
HK$44,887
baseline
▲ 0.50% · 4.625%
HK$47,618
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,774/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,990
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,250
−HK$1,278/mo
Today · 4.125%
HK$49,528
baseline
▲ 0.50% · 4.625%
HK$52,139
+HK$2,611/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,056/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,278
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,811
−HK$1,557/mo
Today · 4.125%
HK$52,368
baseline
▲ 0.50% · 4.625%
HK$55,555
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,736/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,821
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,292
−HK$1,491/mo
Today · 4.125%
HK$57,783
baseline
▲ 0.50% · 4.625%
HK$60,829
+HK$3,046/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,566/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,357
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,328
−HK$2,003/mo
Today · 4.125%
HK$67,331
baseline
▲ 0.50% · 4.625%
HK$71,427
+HK$4,096/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,662/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,485
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,375
−HK$1,918/mo
Today · 4.125%
HK$74,293
baseline
▲ 0.50% · 4.625%
HK$78,209
+HK$3,916/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,586/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,860 · Scale 2, in force from 26 Feb 2026)