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$35,212
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,308
−HK$1,112/mo
Today · 4.125%
HK$37,420
baseline
▲ 0.50% · 4.625%
HK$39,697
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,840/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,173
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,224
−HK$1,066/mo
Today · 4.125%
HK$41,290
baseline
▲ 0.50% · 4.625%
HK$43,466
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,580/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,255
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,569
−HK$1,335/mo
Today · 4.125%
HK$44,904
baseline
▲ 0.50% · 4.625%
HK$47,637
+HK$2,733/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,808/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,008
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,269
−HK$1,279/mo
Today · 4.125%
HK$49,548
baseline
▲ 0.50% · 4.625%
HK$52,159
+HK$2,611/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,096/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,297
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,831
−HK$1,558/mo
Today · 4.125%
HK$52,389
baseline
▲ 0.50% · 4.625%
HK$55,576
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,778/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,843
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,313
−HK$1,493/mo
Today · 4.125%
HK$57,806
baseline
▲ 0.50% · 4.625%
HK$60,853
+HK$3,047/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,612/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,382
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,354
−HK$2,003/mo
Today · 4.125%
HK$67,357
baseline
▲ 0.50% · 4.625%
HK$71,455
+HK$4,098/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,714/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,512
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,403
−HK$1,918/mo
Today · 4.125%
HK$74,321
baseline
▲ 0.50% · 4.625%
HK$78,239
+HK$3,918/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,642/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,084 · Scale 2, in force from 26 Feb 2026)