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$35,245
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,341
−HK$1,114/mo
Today · 4.125%
HK$37,455
baseline
▲ 0.50% · 4.625%
HK$39,734
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,910/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,210
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,261
−HK$1,067/mo
Today · 4.125%
HK$41,328
baseline
▲ 0.50% · 4.625%
HK$43,506
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,656/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,294
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,609
−HK$1,337/mo
Today · 4.125%
HK$44,946
baseline
▲ 0.50% · 4.625%
HK$47,681
+HK$2,735/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,892/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,051
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,313
−HK$1,281/mo
Today · 4.125%
HK$49,594
baseline
▲ 0.50% · 4.625%
HK$52,208
+HK$2,614/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,188/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,343
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,878
−HK$1,559/mo
Today · 4.125%
HK$52,437
baseline
▲ 0.50% · 4.625%
HK$55,628
+HK$3,191/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,874/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,893
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,366
−HK$1,493/mo
Today · 4.125%
HK$57,859
baseline
▲ 0.50% · 4.625%
HK$60,909
+HK$3,050/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,718/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,441
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,414
−HK$2,005/mo
Today · 4.125%
HK$67,419
baseline
▲ 0.50% · 4.625%
HK$71,521
+HK$4,102/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,838/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,577
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,470
−HK$1,920/mo
Today · 4.125%
HK$74,390
baseline
▲ 0.50% · 4.625%
HK$78,312
+HK$3,922/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,780/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,621 · Scale 2, in force from 26 Feb 2026)