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$35,241
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,337
−HK$1,113/mo
Today · 4.125%
HK$37,450
baseline
▲ 0.50% · 4.625%
HK$39,729
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,900/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,205
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,256
−HK$1,067/mo
Today · 4.125%
HK$41,323
baseline
▲ 0.50% · 4.625%
HK$43,501
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,646/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,289
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,604
−HK$1,337/mo
Today · 4.125%
HK$44,941
baseline
▲ 0.50% · 4.625%
HK$47,675
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,882/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,046
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,307
−HK$1,280/mo
Today · 4.125%
HK$49,587
baseline
▲ 0.50% · 4.625%
HK$52,201
+HK$2,614/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,174/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,337
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,871
−HK$1,560/mo
Today · 4.125%
HK$52,431
baseline
▲ 0.50% · 4.625%
HK$55,621
+HK$3,190/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,862/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,887
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,359
−HK$1,493/mo
Today · 4.125%
HK$57,852
baseline
▲ 0.50% · 4.625%
HK$60,901
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,704/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,433
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,406
−HK$2,005/mo
Today · 4.125%
HK$67,411
baseline
▲ 0.50% · 4.625%
HK$71,513
+HK$4,102/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,822/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,569
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,461
−HK$1,920/mo
Today · 4.125%
HK$74,381
baseline
▲ 0.50% · 4.625%
HK$78,302
+HK$3,921/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,762/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,549 · Scale 2, in force from 26 Feb 2026)