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$35,181
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,275
−HK$1,112/mo
Today · 4.125%
HK$37,387
baseline
▲ 0.50% · 4.625%
HK$39,662
+HK$2,275/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,774/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,139
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,188
−HK$1,065/mo
Today · 4.125%
HK$41,253
baseline
▲ 0.50% · 4.625%
HK$43,428
+HK$2,175/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,506/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,217
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,530
−HK$1,335/mo
Today · 4.125%
HK$44,865
baseline
▲ 0.50% · 4.625%
HK$47,595
+HK$2,730/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,730/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,966
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,226
−HK$1,278/mo
Today · 4.125%
HK$49,504
baseline
▲ 0.50% · 4.625%
HK$52,113
+HK$2,609/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,008/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,253
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,786
−HK$1,556/mo
Today · 4.125%
HK$52,342
baseline
▲ 0.50% · 4.625%
HK$55,527
+HK$3,185/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,684/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,794
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,264
−HK$1,490/mo
Today · 4.125%
HK$57,754
baseline
▲ 0.50% · 4.625%
HK$60,799
+HK$3,045/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,508/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,326
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,296
−HK$2,001/mo
Today · 4.125%
HK$67,297
baseline
▲ 0.50% · 4.625%
HK$71,392
+HK$4,095/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,594/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,449
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,339
−HK$1,917/mo
Today · 4.125%
HK$74,256
baseline
▲ 0.50% · 4.625%
HK$78,170
+HK$3,914/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,512/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,571 · Scale 2, in force from 26 Feb 2026)