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$35,256
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,352
−HK$1,115/mo
Today · 4.125%
HK$37,467
baseline
▲ 0.50% · 4.625%
HK$39,746
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,934/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,222
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,274
−HK$1,067/mo
Today · 4.125%
HK$41,341
baseline
▲ 0.50% · 4.625%
HK$43,520
+HK$2,179/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,682/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,307
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,623
−HK$1,337/mo
Today · 4.125%
HK$44,960
baseline
▲ 0.50% · 4.625%
HK$47,696
+HK$2,736/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$89,920/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,066
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,328
−HK$1,281/mo
Today · 4.125%
HK$49,609
baseline
▲ 0.50% · 4.625%
HK$52,224
+HK$2,615/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$99,218/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,358
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,893
−HK$1,560/mo
Today · 4.125%
HK$52,453
baseline
▲ 0.50% · 4.625%
HK$55,645
+HK$3,192/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,906/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,910
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,383
−HK$1,494/mo
Today · 4.125%
HK$57,877
baseline
▲ 0.50% · 4.625%
HK$60,928
+HK$3,051/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,754/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,460
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,434
−HK$2,006/mo
Today · 4.125%
HK$67,440
baseline
▲ 0.50% · 4.625%
HK$71,544
+HK$4,104/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,880/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,599
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,493
−HK$1,920/mo
Today · 4.125%
HK$74,413
baseline
▲ 0.50% · 4.625%
HK$78,336
+HK$3,923/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,826/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,801 · Scale 2, in force from 26 Feb 2026)