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$35,163
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,257
−HK$1,111/mo
Today · 4.125%
HK$37,368
baseline
▲ 0.50% · 4.625%
HK$39,642
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,736/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,119
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,168
−HK$1,064/mo
Today · 4.125%
HK$41,232
baseline
▲ 0.50% · 4.625%
HK$43,405
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,464/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,196
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,508
−HK$1,334/mo
Today · 4.125%
HK$44,842
baseline
▲ 0.50% · 4.625%
HK$47,570
+HK$2,728/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,684/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,942
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,201
−HK$1,277/mo
Today · 4.125%
HK$49,478
baseline
▲ 0.50% · 4.625%
HK$52,087
+HK$2,609/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,956/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,228
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,760
−HK$1,555/mo
Today · 4.125%
HK$52,315
baseline
▲ 0.50% · 4.625%
HK$55,499
+HK$3,184/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$104,630/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,766
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,235
−HK$1,490/mo
Today · 4.125%
HK$57,725
baseline
▲ 0.50% · 4.625%
HK$60,768
+HK$3,043/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$115,450/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,294
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,262
−HK$2,001/mo
Today · 4.125%
HK$67,263
baseline
▲ 0.50% · 4.625%
HK$71,355
+HK$4,092/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,526/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,413
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,302
−HK$1,916/mo
Today · 4.125%
HK$74,218
baseline
▲ 0.50% · 4.625%
HK$78,130
+HK$3,912/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,436/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,276 · Scale 2, in force from 26 Feb 2026)