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$35,239
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,335
−HK$1,114/mo
Today · 4.125%
HK$37,449
baseline
▲ 0.50% · 4.625%
HK$39,728
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,898/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,203
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,255
−HK$1,066/mo
Today · 4.125%
HK$41,321
baseline
▲ 0.50% · 4.625%
HK$43,499
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,642/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,287
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,602
−HK$1,337/mo
Today · 4.125%
HK$44,939
baseline
▲ 0.50% · 4.625%
HK$47,673
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,878/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,044
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,305
−HK$1,280/mo
Today · 4.125%
HK$49,585
baseline
▲ 0.50% · 4.625%
HK$52,199
+HK$2,614/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,170/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,335
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,869
−HK$1,559/mo
Today · 4.125%
HK$52,428
baseline
▲ 0.50% · 4.625%
HK$55,619
+HK$3,191/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,856/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,884
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,356
−HK$1,494/mo
Today · 4.125%
HK$57,850
baseline
▲ 0.50% · 4.625%
HK$60,899
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,700/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,430
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,403
−HK$2,005/mo
Today · 4.125%
HK$67,408
baseline
▲ 0.50% · 4.625%
HK$71,510
+HK$4,102/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,816/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,566
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,458
−HK$1,920/mo
Today · 4.125%
HK$74,378
baseline
▲ 0.50% · 4.625%
HK$78,299
+HK$3,921/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,756/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,526 · Scale 2, in force from 26 Feb 2026)