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$35,263
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,360
−HK$1,114/mo
Today · 4.125%
HK$37,474
baseline
▲ 0.50% · 4.625%
HK$39,755
+HK$2,281/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,948/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,230
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,282
−HK$1,067/mo
Today · 4.125%
HK$41,349
baseline
▲ 0.50% · 4.625%
HK$43,529
+HK$2,180/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,698/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,316
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,632
−HK$1,337/mo
Today · 4.125%
HK$44,969
baseline
▲ 0.50% · 4.625%
HK$47,706
+HK$2,737/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,938/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$579,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,076
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,338
−HK$1,281/mo
Today · 4.125%
HK$49,619
baseline
▲ 0.50% · 4.625%
HK$52,235
+HK$2,616/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,238/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$579,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,368
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,904
−HK$1,560/mo
Today · 4.125%
HK$52,464
baseline
▲ 0.50% · 4.625%
HK$55,657
+HK$3,193/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,928/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,922
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,395
−HK$1,494/mo
Today · 4.125%
HK$57,889
baseline
▲ 0.50% · 4.625%
HK$60,941
+HK$3,052/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,778/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,474
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,448
−HK$2,006/mo
Today · 4.125%
HK$67,454
baseline
▲ 0.50% · 4.625%
HK$71,558
+HK$4,104/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,908/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,614
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,508
−HK$1,921/mo
Today · 4.125%
HK$74,429
baseline
▲ 0.50% · 4.625%
HK$78,352
+HK$3,923/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,858/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,922 · Scale 2, in force from 26 Feb 2026)