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$35,200
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,295
−HK$1,113/mo
Today · 4.125%
HK$37,408
baseline
▲ 0.50% · 4.625%
HK$39,684
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,816/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,160
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,210
−HK$1,066/mo
Today · 4.125%
HK$41,276
baseline
▲ 0.50% · 4.625%
HK$43,451
+HK$2,175/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,552/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,240
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,554
−HK$1,335/mo
Today · 4.125%
HK$44,889
baseline
▲ 0.50% · 4.625%
HK$47,621
+HK$2,732/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,778/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,992
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,252
−HK$1,279/mo
Today · 4.125%
HK$49,531
baseline
▲ 0.50% · 4.625%
HK$52,142
+HK$2,611/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,062/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,280
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,813
−HK$1,558/mo
Today · 4.125%
HK$52,371
baseline
▲ 0.50% · 4.625%
HK$55,557
+HK$3,186/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,742/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,824
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,294
−HK$1,492/mo
Today · 4.125%
HK$57,786
baseline
▲ 0.50% · 4.625%
HK$60,832
+HK$3,046/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,572/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,361
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,331
−HK$2,003/mo
Today · 4.125%
HK$67,334
baseline
▲ 0.50% · 4.625%
HK$71,431
+HK$4,097/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,668/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,488
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,378
−HK$1,918/mo
Today · 4.125%
HK$74,296
baseline
▲ 0.50% · 4.625%
HK$78,212
+HK$3,916/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,592/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,888 · Scale 2, in force from 26 Feb 2026)