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$35,162
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,255
−HK$1,112/mo
Today · 4.125%
HK$37,367
baseline
▲ 0.50% · 4.625%
HK$39,640
+HK$2,273/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,734/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,117
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,166
−HK$1,064/mo
Today · 4.125%
HK$41,230
baseline
▲ 0.50% · 4.625%
HK$43,404
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,460/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,194
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,507
−HK$1,333/mo
Today · 4.125%
HK$44,840
baseline
▲ 0.50% · 4.625%
HK$47,568
+HK$2,728/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,680/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,940
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,199
−HK$1,277/mo
Today · 4.125%
HK$49,476
baseline
▲ 0.50% · 4.625%
HK$52,084
+HK$2,608/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,952/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,226
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,758
−HK$1,555/mo
Today · 4.125%
HK$52,313
baseline
▲ 0.50% · 4.625%
HK$55,496
+HK$3,183/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$104,626/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,764
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,233
−HK$1,490/mo
Today · 4.125%
HK$57,723
baseline
▲ 0.50% · 4.625%
HK$60,765
+HK$3,042/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$115,446/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,291
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,260
−HK$2,000/mo
Today · 4.125%
HK$67,260
baseline
▲ 0.50% · 4.625%
HK$71,353
+HK$4,093/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,520/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,411
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,299
−HK$1,916/mo
Today · 4.125%
HK$74,215
baseline
▲ 0.50% · 4.625%
HK$78,127
+HK$3,912/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,430/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,253 · Scale 2, in force from 26 Feb 2026)