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$35,201
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,296
−HK$1,112/mo
Today · 4.125%
HK$37,408
baseline
▲ 0.50% · 4.625%
HK$39,684
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,816/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,161
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,211
−HK$1,065/mo
Today · 4.125%
HK$41,276
baseline
▲ 0.50% · 4.625%
HK$43,452
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,552/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,241
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,555
−HK$1,335/mo
Today · 4.125%
HK$44,890
baseline
▲ 0.50% · 4.625%
HK$47,621
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,780/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,993
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,253
−HK$1,278/mo
Today · 4.125%
HK$49,531
baseline
▲ 0.50% · 4.625%
HK$52,142
+HK$2,611/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,062/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,281
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,814
−HK$1,557/mo
Today · 4.125%
HK$52,371
baseline
▲ 0.50% · 4.625%
HK$55,558
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,742/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,825
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,295
−HK$1,492/mo
Today · 4.125%
HK$57,787
baseline
▲ 0.50% · 4.625%
HK$60,833
+HK$3,046/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,574/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,361
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,332
−HK$2,003/mo
Today · 4.125%
HK$67,335
baseline
▲ 0.50% · 4.625%
HK$71,432
+HK$4,097/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,670/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,489
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,379
−HK$1,918/mo
Today · 4.125%
HK$74,297
baseline
▲ 0.50% · 4.625%
HK$78,214
+HK$3,917/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,594/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,896 · Scale 2, in force from 26 Feb 2026)