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$34,965
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,053
−HK$1,105/mo
Today · 4.125%
HK$37,158
baseline
▲ 0.50% · 4.625%
HK$39,419
+HK$2,261/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,316/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,898
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,941
−HK$1,059/mo
Today · 4.125%
HK$41,000
baseline
▲ 0.50% · 4.625%
HK$43,161
+HK$2,161/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,000/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,958
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,263
−HK$1,326/mo
Today · 4.125%
HK$44,589
baseline
▲ 0.50% · 4.625%
HK$47,302
+HK$2,713/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,178/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,678
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,930
−HK$1,270/mo
Today · 4.125%
HK$49,200
baseline
▲ 0.50% · 4.625%
HK$51,793
+HK$2,593/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,400/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,951
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,474
−HK$1,547/mo
Today · 4.125%
HK$52,021
baseline
▲ 0.50% · 4.625%
HK$55,186
+HK$3,165/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$104,042/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,458
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,918
−HK$1,482/mo
Today · 4.125%
HK$57,400
baseline
▲ 0.50% · 4.625%
HK$60,425
+HK$3,025/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,800/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,937
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,895
−HK$1,989/mo
Today · 4.125%
HK$66,884
baseline
▲ 0.50% · 4.625%
HK$70,953
+HK$4,069/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,768/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,017
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,895
−HK$1,905/mo
Today · 4.125%
HK$73,800
baseline
▲ 0.50% · 4.625%
HK$77,690
+HK$3,890/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,600/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,018 · Scale 2, in force from 26 Feb 2026)