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$35,255
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,352
−HK$1,114/mo
Today · 4.125%
HK$37,466
baseline
▲ 0.50% · 4.625%
HK$39,746
+HK$2,280/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,932/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,221
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,273
−HK$1,067/mo
Today · 4.125%
HK$41,340
baseline
▲ 0.50% · 4.625%
HK$43,519
+HK$2,179/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,680/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,307
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,622
−HK$1,338/mo
Today · 4.125%
HK$44,960
baseline
▲ 0.50% · 4.625%
HK$47,695
+HK$2,735/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$89,920/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,066
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,328
−HK$1,280/mo
Today · 4.125%
HK$49,608
baseline
▲ 0.50% · 4.625%
HK$52,223
+HK$2,615/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$99,216/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,358
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,893
−HK$1,560/mo
Today · 4.125%
HK$52,453
baseline
▲ 0.50% · 4.625%
HK$55,644
+HK$3,191/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,906/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,910
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,382
−HK$1,494/mo
Today · 4.125%
HK$57,876
baseline
▲ 0.50% · 4.625%
HK$60,927
+HK$3,051/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,752/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,460
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,434
−HK$2,005/mo
Today · 4.125%
HK$67,439
baseline
▲ 0.50% · 4.625%
HK$71,543
+HK$4,104/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,878/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,598
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,492
−HK$1,921/mo
Today · 4.125%
HK$74,413
baseline
▲ 0.50% · 4.625%
HK$78,335
+HK$3,922/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,826/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,794 · Scale 2, in force from 26 Feb 2026)