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$35,267
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,364
−HK$1,114/mo
Today · 4.125%
HK$37,478
baseline
▲ 0.50% · 4.625%
HK$39,759
+HK$2,281/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,956/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,234
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,286
−HK$1,068/mo
Today · 4.125%
HK$41,354
baseline
▲ 0.50% · 4.625%
HK$43,534
+HK$2,180/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,708/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,320
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,637
−HK$1,337/mo
Today · 4.125%
HK$44,974
baseline
▲ 0.50% · 4.625%
HK$47,711
+HK$2,737/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,948/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$579,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,081
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,344
−HK$1,280/mo
Today · 4.125%
HK$49,624
baseline
▲ 0.50% · 4.625%
HK$52,240
+HK$2,616/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,248/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$579,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,374
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,909
−HK$1,561/mo
Today · 4.125%
HK$52,470
baseline
▲ 0.50% · 4.625%
HK$55,662
+HK$3,192/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,940/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,928
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,401
−HK$1,494/mo
Today · 4.125%
HK$57,895
baseline
▲ 0.50% · 4.625%
HK$60,947
+HK$3,052/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,790/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,480
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,455
−HK$2,006/mo
Today · 4.125%
HK$67,461
baseline
▲ 0.50% · 4.625%
HK$71,566
+HK$4,105/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,922/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,621
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,515
−HK$1,922/mo
Today · 4.125%
HK$74,437
baseline
▲ 0.50% · 4.625%
HK$78,360
+HK$3,923/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,874/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,983 · Scale 2, in force from 26 Feb 2026)