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$35,236
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,332
−HK$1,114/mo
Today · 4.125%
HK$37,446
baseline
▲ 0.50% · 4.625%
HK$39,724
+HK$2,278/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,892/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,200
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,251
−HK$1,067/mo
Today · 4.125%
HK$41,318
baseline
▲ 0.50% · 4.625%
HK$43,496
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,636/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,283
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,599
−HK$1,336/mo
Today · 4.125%
HK$44,935
baseline
▲ 0.50% · 4.625%
HK$47,669
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,870/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,040
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,302
−HK$1,279/mo
Today · 4.125%
HK$49,581
baseline
▲ 0.50% · 4.625%
HK$52,195
+HK$2,614/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,162/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,331
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,865
−HK$1,559/mo
Today · 4.125%
HK$52,424
baseline
▲ 0.50% · 4.625%
HK$55,614
+HK$3,190/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,848/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,880
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,352
−HK$1,493/mo
Today · 4.125%
HK$57,845
baseline
▲ 0.50% · 4.625%
HK$60,894
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,690/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,425
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,398
−HK$2,005/mo
Today · 4.125%
HK$67,403
baseline
▲ 0.50% · 4.625%
HK$71,504
+HK$4,101/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,806/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,560
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,452
−HK$1,920/mo
Today · 4.125%
HK$74,372
baseline
▲ 0.50% · 4.625%
HK$78,292
+HK$3,920/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,744/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,479 · Scale 2, in force from 26 Feb 2026)