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$35,187
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,282
−HK$1,112/mo
Today · 4.125%
HK$37,394
baseline
▲ 0.50% · 4.625%
HK$39,669
+HK$2,275/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,788/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,145
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,195
−HK$1,065/mo
Today · 4.125%
HK$41,260
baseline
▲ 0.50% · 4.625%
HK$43,435
+HK$2,175/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,520/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,224
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,538
−HK$1,334/mo
Today · 4.125%
HK$44,872
baseline
▲ 0.50% · 4.625%
HK$47,603
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,744/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,974
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,234
−HK$1,278/mo
Today · 4.125%
HK$49,512
baseline
▲ 0.50% · 4.625%
HK$52,122
+HK$2,610/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,024/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,262
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,794
−HK$1,557/mo
Today · 4.125%
HK$52,351
baseline
▲ 0.50% · 4.625%
HK$55,536
+HK$3,185/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,702/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,803
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,273
−HK$1,491/mo
Today · 4.125%
HK$57,764
baseline
▲ 0.50% · 4.625%
HK$60,809
+HK$3,045/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,528/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,337
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,307
−HK$2,001/mo
Today · 4.125%
HK$67,308
baseline
▲ 0.50% · 4.625%
HK$71,404
+HK$4,096/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,616/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,461
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,351
−HK$1,917/mo
Today · 4.125%
HK$74,268
baseline
▲ 0.50% · 4.625%
HK$78,183
+HK$3,915/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,536/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,669 · Scale 2, in force from 26 Feb 2026)