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$35,192
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,287
−HK$1,112/mo
Today · 4.125%
HK$37,399
baseline
▲ 0.50% · 4.625%
HK$39,675
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,798/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,151
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,201
−HK$1,065/mo
Today · 4.125%
HK$41,266
baseline
▲ 0.50% · 4.625%
HK$43,442
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,532/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,231
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,544
−HK$1,335/mo
Today · 4.125%
HK$44,879
baseline
▲ 0.50% · 4.625%
HK$47,610
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,758/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,981
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,241
−HK$1,279/mo
Today · 4.125%
HK$49,520
baseline
▲ 0.50% · 4.625%
HK$52,130
+HK$2,610/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,040/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,269
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,802
−HK$1,557/mo
Today · 4.125%
HK$52,359
baseline
▲ 0.50% · 4.625%
HK$55,545
+HK$3,186/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,718/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,812
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,282
−HK$1,491/mo
Today · 4.125%
HK$57,773
baseline
▲ 0.50% · 4.625%
HK$60,818
+HK$3,045/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,546/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,346
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,317
−HK$2,002/mo
Today · 4.125%
HK$67,319
baseline
▲ 0.50% · 4.625%
HK$71,415
+HK$4,096/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,638/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,472
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,362
−HK$1,917/mo
Today · 4.125%
HK$74,279
baseline
▲ 0.50% · 4.625%
HK$78,195
+HK$3,916/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,558/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,757 · Scale 2, in force from 26 Feb 2026)