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$35,253
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,349
−HK$1,114/mo
Today · 4.125%
HK$37,463
baseline
▲ 0.50% · 4.625%
HK$39,743
+HK$2,280/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,926/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,218
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,270
−HK$1,067/mo
Today · 4.125%
HK$41,337
baseline
▲ 0.50% · 4.625%
HK$43,516
+HK$2,179/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,674/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,303
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,619
−HK$1,337/mo
Today · 4.125%
HK$44,956
baseline
▲ 0.50% · 4.625%
HK$47,691
+HK$2,735/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$89,912/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,062
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,324
−HK$1,281/mo
Today · 4.125%
HK$49,605
baseline
▲ 0.50% · 4.625%
HK$52,219
+HK$2,614/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$99,210/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,354
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,889
−HK$1,560/mo
Today · 4.125%
HK$52,449
baseline
▲ 0.50% · 4.625%
HK$55,640
+HK$3,191/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,898/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,906
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,378
−HK$1,494/mo
Today · 4.125%
HK$57,872
baseline
▲ 0.50% · 4.625%
HK$60,922
+HK$3,050/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,744/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,455
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,429
−HK$2,005/mo
Today · 4.125%
HK$67,434
baseline
▲ 0.50% · 4.625%
HK$71,537
+HK$4,103/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,868/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,593
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,486
−HK$1,921/mo
Today · 4.125%
HK$74,407
baseline
▲ 0.50% · 4.625%
HK$78,329
+HK$3,922/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,814/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,749 · Scale 2, in force from 26 Feb 2026)