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$35,252
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,348
−HK$1,115/mo
Today · 4.125%
HK$37,463
baseline
▲ 0.50% · 4.625%
HK$39,742
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,926/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,217
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,269
−HK$1,067/mo
Today · 4.125%
HK$41,336
baseline
▲ 0.50% · 4.625%
HK$43,515
+HK$2,179/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,672/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,302
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,618
−HK$1,337/mo
Today · 4.125%
HK$44,955
baseline
▲ 0.50% · 4.625%
HK$47,690
+HK$2,735/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$89,910/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,061
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,323
−HK$1,280/mo
Today · 4.125%
HK$49,603
baseline
▲ 0.50% · 4.625%
HK$52,218
+HK$2,615/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$99,206/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,353
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,888
−HK$1,560/mo
Today · 4.125%
HK$52,448
baseline
▲ 0.50% · 4.625%
HK$55,639
+HK$3,191/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,896/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,904
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,377
−HK$1,494/mo
Today · 4.125%
HK$57,871
baseline
▲ 0.50% · 4.625%
HK$60,921
+HK$3,050/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,742/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,453
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,427
−HK$2,006/mo
Today · 4.125%
HK$67,433
baseline
▲ 0.50% · 4.625%
HK$71,536
+HK$4,103/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,866/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,591
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,485
−HK$1,920/mo
Today · 4.125%
HK$74,405
baseline
▲ 0.50% · 4.625%
HK$78,327
+HK$3,922/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,810/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,736 · Scale 2, in force from 26 Feb 2026)