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$35,206
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,302
−HK$1,112/mo
Today · 4.125%
HK$37,414
baseline
▲ 0.50% · 4.625%
HK$39,691
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,828/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,167
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,217
−HK$1,066/mo
Today · 4.125%
HK$41,283
baseline
▲ 0.50% · 4.625%
HK$43,459
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,566/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,248
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,562
−HK$1,335/mo
Today · 4.125%
HK$44,897
baseline
▲ 0.50% · 4.625%
HK$47,629
+HK$2,732/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$89,794/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,000
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,261
−HK$1,279/mo
Today · 4.125%
HK$49,540
baseline
▲ 0.50% · 4.625%
HK$52,151
+HK$2,611/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$99,080/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,289
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,822
−HK$1,558/mo
Today · 4.125%
HK$52,380
baseline
▲ 0.50% · 4.625%
HK$55,567
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,760/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,834
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,304
−HK$1,492/mo
Today · 4.125%
HK$57,796
baseline
▲ 0.50% · 4.625%
HK$60,843
+HK$3,047/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,592/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,372
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,343
−HK$2,003/mo
Today · 4.125%
HK$67,346
baseline
▲ 0.50% · 4.625%
HK$71,443
+HK$4,097/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,692/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,500
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,391
−HK$1,918/mo
Today · 4.125%
HK$74,309
baseline
▲ 0.50% · 4.625%
HK$78,226
+HK$3,917/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,618/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,989 · Scale 2, in force from 26 Feb 2026)