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$35,197
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,291
−HK$1,113/mo
Today · 4.125%
HK$37,404
baseline
▲ 0.50% · 4.625%
HK$39,680
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,808/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,156
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,206
−HK$1,065/mo
Today · 4.125%
HK$41,271
baseline
▲ 0.50% · 4.625%
HK$43,447
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,542/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,236
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,550
−HK$1,334/mo
Today · 4.125%
HK$44,884
baseline
▲ 0.50% · 4.625%
HK$47,615
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,768/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,987
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,247
−HK$1,278/mo
Today · 4.125%
HK$49,525
baseline
▲ 0.50% · 4.625%
HK$52,136
+HK$2,611/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,050/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,275
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,808
−HK$1,557/mo
Today · 4.125%
HK$52,365
baseline
▲ 0.50% · 4.625%
HK$55,551
+HK$3,186/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,730/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,818
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,288
−HK$1,492/mo
Today · 4.125%
HK$57,780
baseline
▲ 0.50% · 4.625%
HK$60,825
+HK$3,045/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,560/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,354
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,324
−HK$2,003/mo
Today · 4.125%
HK$67,327
baseline
▲ 0.50% · 4.625%
HK$71,423
+HK$4,096/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,654/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,480
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,371
−HK$1,917/mo
Today · 4.125%
HK$74,288
baseline
▲ 0.50% · 4.625%
HK$78,204
+HK$3,916/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,576/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,826 · Scale 2, in force from 26 Feb 2026)