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$35,196
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,290
−HK$1,113/mo
Today · 4.125%
HK$37,403
baseline
▲ 0.50% · 4.625%
HK$39,679
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,806/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,155
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,205
−HK$1,065/mo
Today · 4.125%
HK$41,270
baseline
▲ 0.50% · 4.625%
HK$43,446
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,540/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,235
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,548
−HK$1,335/mo
Today · 4.125%
HK$44,883
baseline
▲ 0.50% · 4.625%
HK$47,614
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,766/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,986
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,246
−HK$1,278/mo
Today · 4.125%
HK$49,524
baseline
▲ 0.50% · 4.625%
HK$52,135
+HK$2,611/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,048/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,274
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,807
−HK$1,557/mo
Today · 4.125%
HK$52,364
baseline
▲ 0.50% · 4.625%
HK$55,550
+HK$3,186/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,728/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,817
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,287
−HK$1,491/mo
Today · 4.125%
HK$57,778
baseline
▲ 0.50% · 4.625%
HK$60,824
+HK$3,046/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,556/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,352
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,323
−HK$2,002/mo
Today · 4.125%
HK$67,325
baseline
▲ 0.50% · 4.625%
HK$71,421
+HK$4,096/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,650/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,479
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,369
−HK$1,917/mo
Today · 4.125%
HK$74,286
baseline
▲ 0.50% · 4.625%
HK$78,202
+HK$3,916/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,572/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,810 · Scale 2, in force from 26 Feb 2026)