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$35,200
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,295
−HK$1,112/mo
Today · 4.125%
HK$37,407
baseline
▲ 0.50% · 4.625%
HK$39,683
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,814/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,159
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,210
−HK$1,065/mo
Today · 4.125%
HK$41,275
baseline
▲ 0.50% · 4.625%
HK$43,451
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,550/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,240
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,554
−HK$1,335/mo
Today · 4.125%
HK$44,889
baseline
▲ 0.50% · 4.625%
HK$47,620
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,778/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,991
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,252
−HK$1,278/mo
Today · 4.125%
HK$49,530
baseline
▲ 0.50% · 4.625%
HK$52,141
+HK$2,611/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,060/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,280
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,813
−HK$1,557/mo
Today · 4.125%
HK$52,370
baseline
▲ 0.50% · 4.625%
HK$55,557
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,740/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,823
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,294
−HK$1,491/mo
Today · 4.125%
HK$57,785
baseline
▲ 0.50% · 4.625%
HK$60,831
+HK$3,046/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,570/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,360
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,331
−HK$2,002/mo
Today · 4.125%
HK$67,333
baseline
▲ 0.50% · 4.625%
HK$71,430
+HK$4,097/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,666/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,487
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,377
−HK$1,918/mo
Today · 4.125%
HK$74,295
baseline
▲ 0.50% · 4.625%
HK$78,211
+HK$3,916/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,590/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,880 · Scale 2, in force from 26 Feb 2026)