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$35,214
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,310
−HK$1,113/mo
Today · 4.125%
HK$37,423
baseline
▲ 0.50% · 4.625%
HK$39,700
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,846/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,176
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,226
−HK$1,066/mo
Today · 4.125%
HK$41,292
baseline
▲ 0.50% · 4.625%
HK$43,469
+HK$2,177/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,584/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,257
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,572
−HK$1,335/mo
Today · 4.125%
HK$44,907
baseline
▲ 0.50% · 4.625%
HK$47,640
+HK$2,733/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,814/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,011
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,272
−HK$1,279/mo
Today · 4.125%
HK$49,551
baseline
▲ 0.50% · 4.625%
HK$52,162
+HK$2,611/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,102/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,300
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,834
−HK$1,558/mo
Today · 4.125%
HK$52,392
baseline
▲ 0.50% · 4.625%
HK$55,580
+HK$3,188/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,784/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,846
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,317
−HK$1,492/mo
Today · 4.125%
HK$57,809
baseline
▲ 0.50% · 4.625%
HK$60,856
+HK$3,047/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,618/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,386
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,358
−HK$2,003/mo
Today · 4.125%
HK$67,361
baseline
▲ 0.50% · 4.625%
HK$71,459
+HK$4,098/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,722/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,516
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,407
−HK$1,919/mo
Today · 4.125%
HK$74,326
baseline
▲ 0.50% · 4.625%
HK$78,244
+HK$3,918/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,652/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,119 · Scale 2, in force from 26 Feb 2026)