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$35,205
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,300
−HK$1,113/mo
Today · 4.125%
HK$37,413
baseline
▲ 0.50% · 4.625%
HK$39,689
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,826/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,165
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,215
−HK$1,066/mo
Today · 4.125%
HK$41,281
baseline
▲ 0.50% · 4.625%
HK$43,457
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,562/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,246
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,560
−HK$1,335/mo
Today · 4.125%
HK$44,895
baseline
▲ 0.50% · 4.625%
HK$47,627
+HK$2,732/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$89,790/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,998
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,259
−HK$1,278/mo
Today · 4.125%
HK$49,537
baseline
▲ 0.50% · 4.625%
HK$52,148
+HK$2,611/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$99,074/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,287
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,820
−HK$1,558/mo
Today · 4.125%
HK$52,378
baseline
▲ 0.50% · 4.625%
HK$55,565
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,756/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,831
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,302
−HK$1,491/mo
Today · 4.125%
HK$57,793
baseline
▲ 0.50% · 4.625%
HK$60,840
+HK$3,047/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,586/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,369
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,340
−HK$2,003/mo
Today · 4.125%
HK$67,343
baseline
▲ 0.50% · 4.625%
HK$71,440
+HK$4,097/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,686/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,497
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,388
−HK$1,918/mo
Today · 4.125%
HK$74,306
baseline
▲ 0.50% · 4.625%
HK$78,223
+HK$3,917/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,612/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,963 · Scale 2, in force from 26 Feb 2026)