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$35,180
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,274
−HK$1,112/mo
Today · 4.125%
HK$37,386
baseline
▲ 0.50% · 4.625%
HK$39,661
+HK$2,275/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,772/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,137
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,187
−HK$1,065/mo
Today · 4.125%
HK$41,252
baseline
▲ 0.50% · 4.625%
HK$43,426
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,504/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,216
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,529
−HK$1,334/mo
Today · 4.125%
HK$44,863
baseline
▲ 0.50% · 4.625%
HK$47,593
+HK$2,730/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,726/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,965
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,224
−HK$1,278/mo
Today · 4.125%
HK$49,502
baseline
▲ 0.50% · 4.625%
HK$52,111
+HK$2,609/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,004/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,252
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,784
−HK$1,556/mo
Today · 4.125%
HK$52,340
baseline
▲ 0.50% · 4.625%
HK$55,525
+HK$3,185/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,680/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,792
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,261
−HK$1,491/mo
Today · 4.125%
HK$57,752
baseline
▲ 0.50% · 4.625%
HK$60,796
+HK$3,044/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,504/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,324
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,293
−HK$2,001/mo
Today · 4.125%
HK$67,294
baseline
▲ 0.50% · 4.625%
HK$71,389
+HK$4,095/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,588/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,447
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,336
−HK$1,917/mo
Today · 4.125%
HK$74,253
baseline
▲ 0.50% · 4.625%
HK$78,167
+HK$3,914/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,506/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,550 · Scale 2, in force from 26 Feb 2026)