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$35,241
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,337
−HK$1,114/mo
Today · 4.125%
HK$37,451
baseline
▲ 0.50% · 4.625%
HK$39,730
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,902/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,206
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,257
−HK$1,067/mo
Today · 4.125%
HK$41,324
baseline
▲ 0.50% · 4.625%
HK$43,502
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,648/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,289
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,605
−HK$1,336/mo
Today · 4.125%
HK$44,941
baseline
▲ 0.50% · 4.625%
HK$47,676
+HK$2,735/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,882/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,047
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,308
−HK$1,280/mo
Today · 4.125%
HK$49,588
baseline
▲ 0.50% · 4.625%
HK$52,202
+HK$2,614/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,176/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,338
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,872
−HK$1,560/mo
Today · 4.125%
HK$52,432
baseline
▲ 0.50% · 4.625%
HK$55,622
+HK$3,190/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,864/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,888
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,360
−HK$1,493/mo
Today · 4.125%
HK$57,853
baseline
▲ 0.50% · 4.625%
HK$60,903
+HK$3,050/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,706/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,434
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,407
−HK$2,005/mo
Today · 4.125%
HK$67,412
baseline
▲ 0.50% · 4.625%
HK$71,514
+HK$4,102/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,824/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,570
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,463
−HK$1,920/mo
Today · 4.125%
HK$74,383
baseline
▲ 0.50% · 4.625%
HK$78,303
+HK$3,920/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,766/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,561 · Scale 2, in force from 26 Feb 2026)