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$35,232
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,328
−HK$1,113/mo
Today · 4.125%
HK$37,441
baseline
▲ 0.50% · 4.625%
HK$39,719
+HK$2,278/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,882/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,195
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,246
−HK$1,067/mo
Today · 4.125%
HK$41,313
baseline
▲ 0.50% · 4.625%
HK$43,490
+HK$2,177/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,626/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,278
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,593
−HK$1,337/mo
Today · 4.125%
HK$44,930
baseline
▲ 0.50% · 4.625%
HK$47,663
+HK$2,733/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,860/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,034
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,296
−HK$1,279/mo
Today · 4.125%
HK$49,575
baseline
▲ 0.50% · 4.625%
HK$52,188
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,150/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,325
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,859
−HK$1,559/mo
Today · 4.125%
HK$52,418
baseline
▲ 0.50% · 4.625%
HK$55,607
+HK$3,189/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,836/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,873
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,345
−HK$1,493/mo
Today · 4.125%
HK$57,838
baseline
▲ 0.50% · 4.625%
HK$60,887
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,676/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,417
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,390
−HK$2,004/mo
Today · 4.125%
HK$67,394
baseline
▲ 0.50% · 4.625%
HK$71,495
+HK$4,101/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,788/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,551
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,443
−HK$1,920/mo
Today · 4.125%
HK$74,363
baseline
▲ 0.50% · 4.625%
HK$78,283
+HK$3,920/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,726/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,407 · Scale 2, in force from 26 Feb 2026)