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$35,166
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,260
−HK$1,112/mo
Today · 4.125%
HK$37,372
baseline
▲ 0.50% · 4.625%
HK$39,646
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,744/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,122
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,172
−HK$1,064/mo
Today · 4.125%
HK$41,236
baseline
▲ 0.50% · 4.625%
HK$43,410
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,472/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,200
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,512
−HK$1,334/mo
Today · 4.125%
HK$44,846
baseline
▲ 0.50% · 4.625%
HK$47,575
+HK$2,729/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,692/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,947
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,206
−HK$1,277/mo
Today · 4.125%
HK$49,483
baseline
▲ 0.50% · 4.625%
HK$52,092
+HK$2,609/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,966/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,233
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,764
−HK$1,556/mo
Today · 4.125%
HK$52,320
baseline
▲ 0.50% · 4.625%
HK$55,504
+HK$3,184/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,640/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,771
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,240
−HK$1,490/mo
Today · 4.125%
HK$57,730
baseline
▲ 0.50% · 4.625%
HK$60,773
+HK$3,043/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,460/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,300
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,269
−HK$2,000/mo
Today · 4.125%
HK$67,269
baseline
▲ 0.50% · 4.625%
HK$71,362
+HK$4,093/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,538/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,420
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,309
−HK$1,916/mo
Today · 4.125%
HK$74,225
baseline
▲ 0.50% · 4.625%
HK$78,137
+HK$3,912/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,450/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,331 · Scale 2, in force from 26 Feb 2026)