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$34,969
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,056
−HK$1,105/mo
Today · 4.125%
HK$37,161
baseline
▲ 0.50% · 4.625%
HK$39,423
+HK$2,262/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,322/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,902
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,946
−HK$1,058/mo
Today · 4.125%
HK$41,004
baseline
▲ 0.50% · 4.625%
HK$43,165
+HK$2,161/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,008/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,962
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,268
−HK$1,326/mo
Today · 4.125%
HK$44,594
baseline
▲ 0.50% · 4.625%
HK$47,307
+HK$2,713/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,188/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,683
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,935
−HK$1,270/mo
Today · 4.125%
HK$49,205
baseline
▲ 0.50% · 4.625%
HK$51,798
+HK$2,593/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,410/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,956
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,479
−HK$1,547/mo
Today · 4.125%
HK$52,026
baseline
▲ 0.50% · 4.625%
HK$55,192
+HK$3,166/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$104,052/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,463
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,924
−HK$1,482/mo
Today · 4.125%
HK$57,406
baseline
▲ 0.50% · 4.625%
HK$60,432
+HK$3,026/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,812/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,944
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,901
−HK$1,990/mo
Today · 4.125%
HK$66,891
baseline
▲ 0.50% · 4.625%
HK$70,961
+HK$4,070/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,782/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,024
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,902
−HK$1,905/mo
Today · 4.125%
HK$73,807
baseline
▲ 0.50% · 4.625%
HK$77,698
+HK$3,891/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,614/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,078 · Scale 2, in force from 26 Feb 2026)