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$35,213
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,308
−HK$1,113/mo
Today · 4.125%
HK$37,421
baseline
▲ 0.50% · 4.625%
HK$39,698
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,842/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,174
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,224
−HK$1,066/mo
Today · 4.125%
HK$41,290
baseline
▲ 0.50% · 4.625%
HK$43,467
+HK$2,177/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,580/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,255
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,570
−HK$1,335/mo
Today · 4.125%
HK$44,905
baseline
▲ 0.50% · 4.625%
HK$47,637
+HK$2,732/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,810/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,008
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,269
−HK$1,279/mo
Today · 4.125%
HK$49,548
baseline
▲ 0.50% · 4.625%
HK$52,160
+HK$2,612/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,096/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,298
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,831
−HK$1,558/mo
Today · 4.125%
HK$52,389
baseline
▲ 0.50% · 4.625%
HK$55,577
+HK$3,188/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,778/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,843
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,314
−HK$1,492/mo
Today · 4.125%
HK$57,806
baseline
▲ 0.50% · 4.625%
HK$60,853
+HK$3,047/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,612/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,383
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,354
−HK$2,003/mo
Today · 4.125%
HK$67,357
baseline
▲ 0.50% · 4.625%
HK$71,456
+HK$4,099/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,714/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,513
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,404
−HK$1,918/mo
Today · 4.125%
HK$74,322
baseline
▲ 0.50% · 4.625%
HK$78,240
+HK$3,918/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,644/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,091 · Scale 2, in force from 26 Feb 2026)