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$35,189
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,283
−HK$1,112/mo
Today · 4.125%
HK$37,395
baseline
▲ 0.50% · 4.625%
HK$39,671
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,790/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,147
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,197
−HK$1,065/mo
Today · 4.125%
HK$41,262
baseline
▲ 0.50% · 4.625%
HK$43,437
+HK$2,175/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,524/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,226
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,540
−HK$1,334/mo
Today · 4.125%
HK$44,874
baseline
▲ 0.50% · 4.625%
HK$47,605
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,748/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,977
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,236
−HK$1,279/mo
Today · 4.125%
HK$49,515
baseline
▲ 0.50% · 4.625%
HK$52,125
+HK$2,610/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,030/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,264
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,797
−HK$1,557/mo
Today · 4.125%
HK$52,354
baseline
▲ 0.50% · 4.625%
HK$55,539
+HK$3,185/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,708/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,806
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,276
−HK$1,491/mo
Today · 4.125%
HK$57,767
baseline
▲ 0.50% · 4.625%
HK$60,812
+HK$3,045/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,534/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,340
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,310
−HK$2,002/mo
Today · 4.125%
HK$67,312
baseline
▲ 0.50% · 4.625%
HK$71,407
+HK$4,095/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,624/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,465
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,355
−HK$1,917/mo
Today · 4.125%
HK$74,272
baseline
▲ 0.50% · 4.625%
HK$78,187
+HK$3,915/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,544/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,698 · Scale 2, in force from 26 Feb 2026)