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$35,166
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,260
−HK$1,111/mo
Today · 4.125%
HK$37,371
baseline
▲ 0.50% · 4.625%
HK$39,645
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,742/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,122
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,171
−HK$1,064/mo
Today · 4.125%
HK$41,235
baseline
▲ 0.50% · 4.625%
HK$43,409
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,470/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,199
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,512
−HK$1,333/mo
Today · 4.125%
HK$44,845
baseline
▲ 0.50% · 4.625%
HK$47,574
+HK$2,729/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,690/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,946
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,205
−HK$1,277/mo
Today · 4.125%
HK$49,482
baseline
▲ 0.50% · 4.625%
HK$52,091
+HK$2,609/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,964/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,232
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,764
−HK$1,556/mo
Today · 4.125%
HK$52,320
baseline
▲ 0.50% · 4.625%
HK$55,503
+HK$3,183/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,640/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,770
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,239
−HK$1,490/mo
Today · 4.125%
HK$57,729
baseline
▲ 0.50% · 4.625%
HK$60,772
+HK$3,043/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,458/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,299
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,268
−HK$2,000/mo
Today · 4.125%
HK$67,268
baseline
▲ 0.50% · 4.625%
HK$71,361
+HK$4,093/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,536/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,419
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,308
−HK$1,916/mo
Today · 4.125%
HK$74,224
baseline
▲ 0.50% · 4.625%
HK$78,136
+HK$3,912/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,448/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,322 · Scale 2, in force from 26 Feb 2026)