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$35,247
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,343
−HK$1,114/mo
Today · 4.125%
HK$37,457
baseline
▲ 0.50% · 4.625%
HK$39,736
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,914/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,212
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,263
−HK$1,067/mo
Today · 4.125%
HK$41,330
baseline
▲ 0.50% · 4.625%
HK$43,509
+HK$2,179/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,660/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,296
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,612
−HK$1,336/mo
Today · 4.125%
HK$44,948
baseline
▲ 0.50% · 4.625%
HK$47,683
+HK$2,735/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,896/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,054
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,316
−HK$1,280/mo
Today · 4.125%
HK$49,596
baseline
▲ 0.50% · 4.625%
HK$52,210
+HK$2,614/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,192/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,345
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,880
−HK$1,560/mo
Today · 4.125%
HK$52,440
baseline
▲ 0.50% · 4.625%
HK$55,631
+HK$3,191/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,880/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,896
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,369
−HK$1,493/mo
Today · 4.125%
HK$57,862
baseline
▲ 0.50% · 4.625%
HK$60,912
+HK$3,050/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,724/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,444
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,418
−HK$2,005/mo
Today · 4.125%
HK$67,423
baseline
▲ 0.50% · 4.625%
HK$71,525
+HK$4,102/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,846/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,581
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,474
−HK$1,920/mo
Today · 4.125%
HK$74,394
baseline
▲ 0.50% · 4.625%
HK$78,316
+HK$3,922/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,788/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,652 · Scale 2, in force from 26 Feb 2026)