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$35,170
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,264
−HK$1,112/mo
Today · 4.125%
HK$37,376
baseline
▲ 0.50% · 4.625%
HK$39,650
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,752/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,126
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,176
−HK$1,064/mo
Today · 4.125%
HK$41,240
baseline
▲ 0.50% · 4.625%
HK$43,414
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,480/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,204
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,517
−HK$1,334/mo
Today · 4.125%
HK$44,851
baseline
▲ 0.50% · 4.625%
HK$47,580
+HK$2,729/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,702/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,952
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,211
−HK$1,277/mo
Today · 4.125%
HK$49,488
baseline
▲ 0.50% · 4.625%
HK$52,097
+HK$2,609/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,976/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,238
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,770
−HK$1,556/mo
Today · 4.125%
HK$52,326
baseline
▲ 0.50% · 4.625%
HK$55,510
+HK$3,184/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,652/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,777
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,246
−HK$1,490/mo
Today · 4.125%
HK$57,736
baseline
▲ 0.50% · 4.625%
HK$60,780
+HK$3,044/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,472/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,306
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,275
−HK$2,001/mo
Today · 4.125%
HK$67,276
baseline
▲ 0.50% · 4.625%
HK$71,370
+HK$4,094/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,552/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,427
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,316
−HK$1,916/mo
Today · 4.125%
HK$74,232
baseline
▲ 0.50% · 4.625%
HK$78,145
+HK$3,913/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,464/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,390 · Scale 2, in force from 26 Feb 2026)