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$35,152
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,245
−HK$1,111/mo
Today · 4.125%
HK$37,356
baseline
▲ 0.50% · 4.625%
HK$39,629
+HK$2,273/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,712/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,106
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,155
−HK$1,064/mo
Today · 4.125%
HK$41,219
baseline
▲ 0.50% · 4.625%
HK$43,392
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,438/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,182
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,494
−HK$1,333/mo
Today · 4.125%
HK$44,827
baseline
▲ 0.50% · 4.625%
HK$47,555
+HK$2,728/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,654/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$578,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,927
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,186
−HK$1,277/mo
Today · 4.125%
HK$49,463
baseline
▲ 0.50% · 4.625%
HK$52,070
+HK$2,607/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,926/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$578,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,213
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,743
−HK$1,556/mo
Today · 4.125%
HK$52,299
baseline
▲ 0.50% · 4.625%
HK$55,481
+HK$3,182/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,598/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,749
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,217
−HK$1,489/mo
Today · 4.125%
HK$57,706
baseline
▲ 0.50% · 4.625%
HK$60,748
+HK$3,042/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,412/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,273
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,242
−HK$1,999/mo
Today · 4.125%
HK$67,241
baseline
▲ 0.50% · 4.625%
HK$71,333
+HK$4,092/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,482/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,391
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,279
−HK$1,915/mo
Today · 4.125%
HK$74,194
baseline
▲ 0.50% · 4.625%
HK$78,105
+HK$3,911/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,388/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,091 · Scale 2, in force from 26 Feb 2026)