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$35,230
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,326
−HK$1,114/mo
Today · 4.125%
HK$37,440
baseline
▲ 0.50% · 4.625%
HK$39,718
+HK$2,278/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,880/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,193
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,245
−HK$1,066/mo
Today · 4.125%
HK$41,311
baseline
▲ 0.50% · 4.625%
HK$43,488
+HK$2,177/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,622/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,276
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,591
−HK$1,337/mo
Today · 4.125%
HK$44,928
baseline
▲ 0.50% · 4.625%
HK$47,661
+HK$2,733/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,856/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,032
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,293
−HK$1,280/mo
Today · 4.125%
HK$49,573
baseline
▲ 0.50% · 4.625%
HK$52,186
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,146/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,323
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,857
−HK$1,558/mo
Today · 4.125%
HK$52,415
baseline
▲ 0.50% · 4.625%
HK$55,605
+HK$3,190/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,830/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,871
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,342
−HK$1,493/mo
Today · 4.125%
HK$57,835
baseline
▲ 0.50% · 4.625%
HK$60,884
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,670/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,415
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,387
−HK$2,004/mo
Today · 4.125%
HK$67,391
baseline
▲ 0.50% · 4.625%
HK$71,492
+HK$4,101/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,782/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,548
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,440
−HK$1,920/mo
Today · 4.125%
HK$74,360
baseline
▲ 0.50% · 4.625%
HK$78,279
+HK$3,919/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,720/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,382 · Scale 2, in force from 26 Feb 2026)