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$35,249
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,345
−HK$1,114/mo
Today · 4.125%
HK$37,459
baseline
▲ 0.50% · 4.625%
HK$39,739
+HK$2,280/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,918/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,214
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,266
−HK$1,067/mo
Today · 4.125%
HK$41,333
baseline
▲ 0.50% · 4.625%
HK$43,512
+HK$2,179/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,666/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,299
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,615
−HK$1,336/mo
Today · 4.125%
HK$44,951
baseline
▲ 0.50% · 4.625%
HK$47,687
+HK$2,736/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$89,902/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,057
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,319
−HK$1,280/mo
Today · 4.125%
HK$49,599
baseline
▲ 0.50% · 4.625%
HK$52,214
+HK$2,615/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$99,198/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,349
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,884
−HK$1,559/mo
Today · 4.125%
HK$52,443
baseline
▲ 0.50% · 4.625%
HK$55,634
+HK$3,191/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,886/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,900
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,372
−HK$1,494/mo
Today · 4.125%
HK$57,866
baseline
▲ 0.50% · 4.625%
HK$60,916
+HK$3,050/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,732/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,448
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,422
−HK$2,005/mo
Today · 4.125%
HK$67,427
baseline
▲ 0.50% · 4.625%
HK$71,530
+HK$4,103/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,854/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,586
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,479
−HK$1,920/mo
Today · 4.125%
HK$74,399
baseline
▲ 0.50% · 4.625%
HK$78,321
+HK$3,922/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,798/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,689 · Scale 2, in force from 26 Feb 2026)