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$35,086
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,177
−HK$1,109/mo
Today · 4.125%
HK$37,286
baseline
▲ 0.50% · 4.625%
HK$39,554
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,572/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,032
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,079
−HK$1,062/mo
Today · 4.125%
HK$41,141
baseline
▲ 0.50% · 4.625%
HK$43,310
+HK$2,169/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,282/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,103
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,412
−HK$1,331/mo
Today · 4.125%
HK$44,743
baseline
▲ 0.50% · 4.625%
HK$47,465
+HK$2,722/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,486/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,839
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,095
−HK$1,274/mo
Today · 4.125%
HK$49,369
baseline
▲ 0.50% · 4.625%
HK$51,972
+HK$2,603/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,738/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,120
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,648
−HK$1,552/mo
Today · 4.125%
HK$52,200
baseline
▲ 0.50% · 4.625%
HK$55,376
+HK$3,176/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,400/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,645
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,111
−HK$1,487/mo
Today · 4.125%
HK$57,598
baseline
▲ 0.50% · 4.625%
HK$60,634
+HK$3,036/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,196/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,154
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,118
−HK$1,996/mo
Today · 4.125%
HK$67,114
baseline
▲ 0.50% · 4.625%
HK$71,198
+HK$4,084/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,228/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,258
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,142
−HK$1,912/mo
Today · 4.125%
HK$74,054
baseline
▲ 0.50% · 4.625%
HK$77,957
+HK$3,903/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,108/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,000 · Scale 2, in force from 26 Feb 2026)