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$35,165
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,259
−HK$1,111/mo
Today · 4.125%
HK$37,370
baseline
▲ 0.50% · 4.625%
HK$39,644
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,740/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,121
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,170
−HK$1,064/mo
Today · 4.125%
HK$41,234
baseline
▲ 0.50% · 4.625%
HK$43,408
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,468/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,198
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,511
−HK$1,333/mo
Today · 4.125%
HK$44,844
baseline
▲ 0.50% · 4.625%
HK$47,573
+HK$2,729/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,688/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,945
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,204
−HK$1,277/mo
Today · 4.125%
HK$49,481
baseline
▲ 0.50% · 4.625%
HK$52,090
+HK$2,609/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,962/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,231
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,763
−HK$1,555/mo
Today · 4.125%
HK$52,318
baseline
▲ 0.50% · 4.625%
HK$55,502
+HK$3,184/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,636/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,769
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,238
−HK$1,490/mo
Today · 4.125%
HK$57,728
baseline
▲ 0.50% · 4.625%
HK$60,771
+HK$3,043/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,456/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,297
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,266
−HK$2,001/mo
Today · 4.125%
HK$67,267
baseline
▲ 0.50% · 4.625%
HK$71,360
+HK$4,093/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,534/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,418
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,306
−HK$1,916/mo
Today · 4.125%
HK$74,222
baseline
▲ 0.50% · 4.625%
HK$78,134
+HK$3,912/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,444/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,310 · Scale 2, in force from 26 Feb 2026)