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$35,161
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,255
−HK$1,111/mo
Today · 4.125%
HK$37,366
baseline
▲ 0.50% · 4.625%
HK$39,639
+HK$2,273/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,732/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,116
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,165
−HK$1,065/mo
Today · 4.125%
HK$41,230
baseline
▲ 0.50% · 4.625%
HK$43,403
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,460/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,193
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,506
−HK$1,333/mo
Today · 4.125%
HK$44,839
baseline
▲ 0.50% · 4.625%
HK$47,567
+HK$2,728/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,678/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,939
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,198
−HK$1,277/mo
Today · 4.125%
HK$49,475
baseline
▲ 0.50% · 4.625%
HK$52,083
+HK$2,608/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,950/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,225
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,757
−HK$1,555/mo
Today · 4.125%
HK$52,312
baseline
▲ 0.50% · 4.625%
HK$55,495
+HK$3,183/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$104,624/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,763
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,231
−HK$1,490/mo
Today · 4.125%
HK$57,721
baseline
▲ 0.50% · 4.625%
HK$60,764
+HK$3,043/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$115,442/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,290
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,258
−HK$2,001/mo
Today · 4.125%
HK$67,259
baseline
▲ 0.50% · 4.625%
HK$71,351
+HK$4,092/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,518/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,409
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,297
−HK$1,916/mo
Today · 4.125%
HK$74,213
baseline
▲ 0.50% · 4.625%
HK$78,125
+HK$3,912/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,426/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,240 · Scale 2, in force from 26 Feb 2026)