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$35,178
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,272
−HK$1,112/mo
Today · 4.125%
HK$37,384
baseline
▲ 0.50% · 4.625%
HK$39,658
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,768/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,135
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,184
−HK$1,065/mo
Today · 4.125%
HK$41,249
baseline
▲ 0.50% · 4.625%
HK$43,423
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,498/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,213
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,526
−HK$1,334/mo
Today · 4.125%
HK$44,860
baseline
▲ 0.50% · 4.625%
HK$47,590
+HK$2,730/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,720/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,962
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,221
−HK$1,278/mo
Today · 4.125%
HK$49,499
baseline
▲ 0.50% · 4.625%
HK$52,108
+HK$2,609/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$98,998/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,249
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,781
−HK$1,556/mo
Today · 4.125%
HK$52,337
baseline
▲ 0.50% · 4.625%
HK$55,522
+HK$3,185/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,674/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,789
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,258
−HK$1,491/mo
Today · 4.125%
HK$57,749
baseline
▲ 0.50% · 4.625%
HK$60,793
+HK$3,044/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,498/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,320
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,289
−HK$2,001/mo
Today · 4.125%
HK$67,290
baseline
▲ 0.50% · 4.625%
HK$71,385
+HK$4,095/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,580/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,442
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,332
−HK$1,916/mo
Today · 4.125%
HK$74,248
baseline
▲ 0.50% · 4.625%
HK$78,162
+HK$3,914/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,496/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,514 · Scale 2, in force from 26 Feb 2026)