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$35,254
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,350
−HK$1,114/mo
Today · 4.125%
HK$37,464
baseline
▲ 0.50% · 4.625%
HK$39,744
+HK$2,280/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,928/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,219
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,271
−HK$1,067/mo
Today · 4.125%
HK$41,338
baseline
▲ 0.50% · 4.625%
HK$43,517
+HK$2,179/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,676/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,304
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,620
−HK$1,337/mo
Today · 4.125%
HK$44,957
baseline
▲ 0.50% · 4.625%
HK$47,693
+HK$2,736/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$89,914/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,063
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,325
−HK$1,281/mo
Today · 4.125%
HK$49,606
baseline
▲ 0.50% · 4.625%
HK$52,221
+HK$2,615/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$99,212/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,355
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,890
−HK$1,560/mo
Today · 4.125%
HK$52,450
baseline
▲ 0.50% · 4.625%
HK$55,641
+HK$3,191/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,900/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,907
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,380
−HK$1,493/mo
Today · 4.125%
HK$57,873
baseline
▲ 0.50% · 4.625%
HK$60,924
+HK$3,051/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,746/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,456
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,430
−HK$2,006/mo
Today · 4.125%
HK$67,436
baseline
▲ 0.50% · 4.625%
HK$71,539
+HK$4,103/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,872/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,595
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,488
−HK$1,921/mo
Today · 4.125%
HK$74,409
baseline
▲ 0.50% · 4.625%
HK$78,331
+HK$3,922/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,818/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,764 · Scale 2, in force from 26 Feb 2026)