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$35,208
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,304
−HK$1,112/mo
Today · 4.125%
HK$37,416
baseline
▲ 0.50% · 4.625%
HK$39,693
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,832/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,169
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,219
−HK$1,066/mo
Today · 4.125%
HK$41,285
baseline
▲ 0.50% · 4.625%
HK$43,461
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,570/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,250
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,564
−HK$1,336/mo
Today · 4.125%
HK$44,900
baseline
▲ 0.50% · 4.625%
HK$47,632
+HK$2,732/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$89,800/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,003
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,263
−HK$1,279/mo
Today · 4.125%
HK$49,542
baseline
▲ 0.50% · 4.625%
HK$52,154
+HK$2,612/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$99,084/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,292
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,825
−HK$1,558/mo
Today · 4.125%
HK$52,383
baseline
▲ 0.50% · 4.625%
HK$55,570
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,766/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,837
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,307
−HK$1,492/mo
Today · 4.125%
HK$57,799
baseline
▲ 0.50% · 4.625%
HK$60,846
+HK$3,047/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,598/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,375
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,346
−HK$2,003/mo
Today · 4.125%
HK$67,349
baseline
▲ 0.50% · 4.625%
HK$71,447
+HK$4,098/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,698/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,504
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,395
−HK$1,918/mo
Today · 4.125%
HK$74,313
baseline
▲ 0.50% · 4.625%
HK$78,230
+HK$3,917/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,626/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,021 · Scale 2, in force from 26 Feb 2026)