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$35,257
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,353
−HK$1,115/mo
Today · 4.125%
HK$37,468
baseline
▲ 0.50% · 4.625%
HK$39,747
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,936/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,223
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,275
−HK$1,067/mo
Today · 4.125%
HK$41,342
baseline
▲ 0.50% · 4.625%
HK$43,521
+HK$2,179/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,684/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,308
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,624
−HK$1,337/mo
Today · 4.125%
HK$44,961
baseline
▲ 0.50% · 4.625%
HK$47,697
+HK$2,736/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$89,922/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,067
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,330
−HK$1,280/mo
Today · 4.125%
HK$49,610
baseline
▲ 0.50% · 4.625%
HK$52,225
+HK$2,615/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$99,220/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,359
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,895
−HK$1,560/mo
Today · 4.125%
HK$52,455
baseline
▲ 0.50% · 4.625%
HK$55,646
+HK$3,191/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,910/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,912
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,385
−HK$1,494/mo
Today · 4.125%
HK$57,879
baseline
▲ 0.50% · 4.625%
HK$60,929
+HK$3,050/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,758/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,462
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,436
−HK$2,006/mo
Today · 4.125%
HK$67,442
baseline
▲ 0.50% · 4.625%
HK$71,545
+HK$4,103/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,884/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,601
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,494
−HK$1,921/mo
Today · 4.125%
HK$74,415
baseline
▲ 0.50% · 4.625%
HK$78,338
+HK$3,923/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,830/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,815 · Scale 2, in force from 26 Feb 2026)