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$35,228
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,324
−HK$1,113/mo
Today · 4.125%
HK$37,437
baseline
▲ 0.50% · 4.625%
HK$39,715
+HK$2,278/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,874/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,191
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,242
−HK$1,066/mo
Today · 4.125%
HK$41,308
baseline
▲ 0.50% · 4.625%
HK$43,486
+HK$2,178/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,616/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,274
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,589
−HK$1,336/mo
Today · 4.125%
HK$44,925
baseline
▲ 0.50% · 4.625%
HK$47,658
+HK$2,733/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,850/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,029
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,290
−HK$1,280/mo
Today · 4.125%
HK$49,570
baseline
▲ 0.50% · 4.625%
HK$52,183
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,140/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,319
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,854
−HK$1,558/mo
Today · 4.125%
HK$52,412
baseline
▲ 0.50% · 4.625%
HK$55,601
+HK$3,189/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,824/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,867
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,339
−HK$1,493/mo
Today · 4.125%
HK$57,832
baseline
▲ 0.50% · 4.625%
HK$60,880
+HK$3,048/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,664/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,411
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,383
−HK$2,004/mo
Today · 4.125%
HK$67,387
baseline
▲ 0.50% · 4.625%
HK$71,487
+HK$4,100/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,774/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,544
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,436
−HK$1,919/mo
Today · 4.125%
HK$74,355
baseline
▲ 0.50% · 4.625%
HK$78,274
+HK$3,919/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,710/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,346 · Scale 2, in force from 26 Feb 2026)