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$35,214
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,309
−HK$1,113/mo
Today · 4.125%
HK$37,422
baseline
▲ 0.50% · 4.625%
HK$39,699
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,844/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,175
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,226
−HK$1,066/mo
Today · 4.125%
HK$41,292
baseline
▲ 0.50% · 4.625%
HK$43,468
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,584/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,257
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,571
−HK$1,336/mo
Today · 4.125%
HK$44,907
baseline
▲ 0.50% · 4.625%
HK$47,639
+HK$2,732/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,814/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,010
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,271
−HK$1,279/mo
Today · 4.125%
HK$49,550
baseline
▲ 0.50% · 4.625%
HK$52,162
+HK$2,612/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,100/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,300
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,833
−HK$1,558/mo
Today · 4.125%
HK$52,391
baseline
▲ 0.50% · 4.625%
HK$55,579
+HK$3,188/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,782/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,845
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,316
−HK$1,492/mo
Today · 4.125%
HK$57,808
baseline
▲ 0.50% · 4.625%
HK$60,856
+HK$3,048/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,616/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,385
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,357
−HK$2,003/mo
Today · 4.125%
HK$67,360
baseline
▲ 0.50% · 4.625%
HK$71,459
+HK$4,099/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,720/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,515
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,407
−HK$1,918/mo
Today · 4.125%
HK$74,325
baseline
▲ 0.50% · 4.625%
HK$78,243
+HK$3,918/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,650/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,113 · Scale 2, in force from 26 Feb 2026)