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$35,191
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,286
−HK$1,112/mo
Today · 4.125%
HK$37,398
baseline
▲ 0.50% · 4.625%
HK$39,673
+HK$2,275/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,796/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,150
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,200
−HK$1,065/mo
Today · 4.125%
HK$41,265
baseline
▲ 0.50% · 4.625%
HK$43,440
+HK$2,175/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,530/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,229
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,543
−HK$1,334/mo
Today · 4.125%
HK$44,877
baseline
▲ 0.50% · 4.625%
HK$47,608
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,754/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,980
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,239
−HK$1,279/mo
Today · 4.125%
HK$49,518
baseline
▲ 0.50% · 4.625%
HK$52,128
+HK$2,610/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,036/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,267
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,800
−HK$1,557/mo
Today · 4.125%
HK$52,357
baseline
▲ 0.50% · 4.625%
HK$55,543
+HK$3,186/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,714/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,809
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,279
−HK$1,492/mo
Today · 4.125%
HK$57,771
baseline
▲ 0.50% · 4.625%
HK$60,816
+HK$3,045/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,542/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,344
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,314
−HK$2,002/mo
Today · 4.125%
HK$67,316
baseline
▲ 0.50% · 4.625%
HK$71,412
+HK$4,096/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,632/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,469
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,359
−HK$1,918/mo
Today · 4.125%
HK$74,277
baseline
▲ 0.50% · 4.625%
HK$78,192
+HK$3,915/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,554/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,734 · Scale 2, in force from 26 Feb 2026)