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$35,242
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,338
−HK$1,114/mo
Today · 4.125%
HK$37,452
baseline
▲ 0.50% · 4.625%
HK$39,731
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,904/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,206
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,258
−HK$1,067/mo
Today · 4.125%
HK$41,325
baseline
▲ 0.50% · 4.625%
HK$43,503
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,650/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,291
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,606
−HK$1,337/mo
Today · 4.125%
HK$44,943
baseline
▲ 0.50% · 4.625%
HK$47,677
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,886/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,048
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,310
−HK$1,280/mo
Today · 4.125%
HK$49,590
baseline
▲ 0.50% · 4.625%
HK$52,204
+HK$2,614/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,180/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,339
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,874
−HK$1,559/mo
Today · 4.125%
HK$52,433
baseline
▲ 0.50% · 4.625%
HK$55,623
+HK$3,190/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,866/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,889
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,361
−HK$1,494/mo
Today · 4.125%
HK$57,855
baseline
▲ 0.50% · 4.625%
HK$60,904
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,710/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,436
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,409
−HK$2,005/mo
Today · 4.125%
HK$67,414
baseline
▲ 0.50% · 4.625%
HK$71,516
+HK$4,102/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,828/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,572
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,464
−HK$1,920/mo
Today · 4.125%
HK$74,384
baseline
▲ 0.50% · 4.625%
HK$78,305
+HK$3,921/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,768/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,575 · Scale 2, in force from 26 Feb 2026)