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$35,168
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,262
−HK$1,111/mo
Today · 4.125%
HK$37,373
baseline
▲ 0.50% · 4.625%
HK$39,647
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,746/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,124
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,173
−HK$1,064/mo
Today · 4.125%
HK$41,237
baseline
▲ 0.50% · 4.625%
HK$43,411
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,474/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,201
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,514
−HK$1,334/mo
Today · 4.125%
HK$44,848
baseline
▲ 0.50% · 4.625%
HK$47,577
+HK$2,729/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,696/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,948
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,208
−HK$1,277/mo
Today · 4.125%
HK$49,485
baseline
▲ 0.50% · 4.625%
HK$52,093
+HK$2,608/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,970/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,235
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,766
−HK$1,556/mo
Today · 4.125%
HK$52,322
baseline
▲ 0.50% · 4.625%
HK$55,506
+HK$3,184/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,644/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,773
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,242
−HK$1,490/mo
Today · 4.125%
HK$57,732
baseline
▲ 0.50% · 4.625%
HK$60,776
+HK$3,044/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,464/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,302
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,271
−HK$2,000/mo
Today · 4.125%
HK$67,271
baseline
▲ 0.50% · 4.625%
HK$71,365
+HK$4,094/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,542/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,423
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,311
−HK$1,916/mo
Today · 4.125%
HK$74,227
baseline
▲ 0.50% · 4.625%
HK$78,140
+HK$3,913/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,454/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,352 · Scale 2, in force from 26 Feb 2026)