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$35,233
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,329
−HK$1,113/mo
Today · 4.125%
HK$37,442
baseline
▲ 0.50% · 4.625%
HK$39,720
+HK$2,278/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,884/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,196
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,247
−HK$1,067/mo
Today · 4.125%
HK$41,314
baseline
▲ 0.50% · 4.625%
HK$43,491
+HK$2,177/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,628/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,279
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,594
−HK$1,337/mo
Today · 4.125%
HK$44,931
baseline
▲ 0.50% · 4.625%
HK$47,664
+HK$2,733/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,862/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,035
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,297
−HK$1,279/mo
Today · 4.125%
HK$49,576
baseline
▲ 0.50% · 4.625%
HK$52,190
+HK$2,614/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,152/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,326
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,860
−HK$1,559/mo
Today · 4.125%
HK$52,419
baseline
▲ 0.50% · 4.625%
HK$55,609
+HK$3,190/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,838/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,874
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,346
−HK$1,493/mo
Today · 4.125%
HK$57,839
baseline
▲ 0.50% · 4.625%
HK$60,888
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,678/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,419
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,392
−HK$2,004/mo
Today · 4.125%
HK$67,396
baseline
▲ 0.50% · 4.625%
HK$71,497
+HK$4,101/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,792/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,553
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,445
−HK$1,920/mo
Today · 4.125%
HK$74,365
baseline
▲ 0.50% · 4.625%
HK$78,284
+HK$3,919/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,730/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,421 · Scale 2, in force from 26 Feb 2026)