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$35,208
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,303
−HK$1,112/mo
Today · 4.125%
HK$37,415
baseline
▲ 0.50% · 4.625%
HK$39,692
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,830/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,168
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,219
−HK$1,065/mo
Today · 4.125%
HK$41,284
baseline
▲ 0.50% · 4.625%
HK$43,460
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,568/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,249
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,563
−HK$1,336/mo
Today · 4.125%
HK$44,899
baseline
▲ 0.50% · 4.625%
HK$47,631
+HK$2,732/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$89,798/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,002
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,262
−HK$1,279/mo
Today · 4.125%
HK$49,541
baseline
▲ 0.50% · 4.625%
HK$52,153
+HK$2,612/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$99,082/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,291
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,824
−HK$1,558/mo
Today · 4.125%
HK$52,382
baseline
▲ 0.50% · 4.625%
HK$55,569
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,764/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,835
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,306
−HK$1,492/mo
Today · 4.125%
HK$57,798
baseline
▲ 0.50% · 4.625%
HK$60,845
+HK$3,047/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,596/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,374
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,345
−HK$2,003/mo
Today · 4.125%
HK$67,348
baseline
▲ 0.50% · 4.625%
HK$71,446
+HK$4,098/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,696/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,503
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,394
−HK$1,918/mo
Today · 4.125%
HK$74,312
baseline
▲ 0.50% · 4.625%
HK$78,229
+HK$3,917/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,624/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,009 · Scale 2, in force from 26 Feb 2026)