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$35,225
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,320
−HK$1,114/mo
Today · 4.125%
HK$37,434
baseline
▲ 0.50% · 4.625%
HK$39,711
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,868/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,187
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,238
−HK$1,066/mo
Today · 4.125%
HK$41,304
baseline
▲ 0.50% · 4.625%
HK$43,481
+HK$2,177/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,608/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,270
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,584
−HK$1,336/mo
Today · 4.125%
HK$44,920
baseline
▲ 0.50% · 4.625%
HK$47,654
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,840/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,025
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,286
−HK$1,279/mo
Today · 4.125%
HK$49,565
baseline
▲ 0.50% · 4.625%
HK$52,178
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,130/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,315
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,849
−HK$1,558/mo
Today · 4.125%
HK$52,407
baseline
▲ 0.50% · 4.625%
HK$55,596
+HK$3,189/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,814/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,862
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,333
−HK$1,493/mo
Today · 4.125%
HK$57,826
baseline
▲ 0.50% · 4.625%
HK$60,874
+HK$3,048/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,652/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,404
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,377
−HK$2,003/mo
Today · 4.125%
HK$67,380
baseline
▲ 0.50% · 4.625%
HK$71,480
+HK$4,100/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,760/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,537
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,429
−HK$1,919/mo
Today · 4.125%
HK$74,348
baseline
▲ 0.50% · 4.625%
HK$78,267
+HK$3,919/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,696/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,289 · Scale 2, in force from 26 Feb 2026)