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$35,229
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,325
−HK$1,113/mo
Today · 4.125%
HK$37,438
baseline
▲ 0.50% · 4.625%
HK$39,716
+HK$2,278/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,876/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,192
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,243
−HK$1,067/mo
Today · 4.125%
HK$41,310
baseline
▲ 0.50% · 4.625%
HK$43,487
+HK$2,177/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,620/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,275
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,590
−HK$1,336/mo
Today · 4.125%
HK$44,926
baseline
▲ 0.50% · 4.625%
HK$47,660
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,852/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,031
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,292
−HK$1,280/mo
Today · 4.125%
HK$49,572
baseline
▲ 0.50% · 4.625%
HK$52,185
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,144/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,321
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,855
−HK$1,559/mo
Today · 4.125%
HK$52,414
baseline
▲ 0.50% · 4.625%
HK$55,603
+HK$3,189/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,828/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,869
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,341
−HK$1,492/mo
Today · 4.125%
HK$57,833
baseline
▲ 0.50% · 4.625%
HK$60,882
+HK$3,049/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,666/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,413
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,385
−HK$2,004/mo
Today · 4.125%
HK$67,389
baseline
▲ 0.50% · 4.625%
HK$71,490
+HK$4,101/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,778/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,546
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,438
−HK$1,919/mo
Today · 4.125%
HK$74,357
baseline
▲ 0.50% · 4.625%
HK$78,277
+HK$3,920/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,714/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,364 · Scale 2, in force from 26 Feb 2026)