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$35,250
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,347
−HK$1,114/mo
Today · 4.125%
HK$37,461
baseline
▲ 0.50% · 4.625%
HK$39,740
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,922/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,216
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,267
−HK$1,067/mo
Today · 4.125%
HK$41,334
baseline
▲ 0.50% · 4.625%
HK$43,513
+HK$2,179/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,668/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,300
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,616
−HK$1,337/mo
Today · 4.125%
HK$44,953
baseline
▲ 0.50% · 4.625%
HK$47,688
+HK$2,735/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$89,906/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,059
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,321
−HK$1,280/mo
Today · 4.125%
HK$49,601
baseline
▲ 0.50% · 4.625%
HK$52,216
+HK$2,615/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$99,202/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,351
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,886
−HK$1,559/mo
Today · 4.125%
HK$52,445
baseline
▲ 0.50% · 4.625%
HK$55,636
+HK$3,191/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,890/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,902
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,374
−HK$1,494/mo
Today · 4.125%
HK$57,868
baseline
▲ 0.50% · 4.625%
HK$60,919
+HK$3,051/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,736/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,451
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,424
−HK$2,006/mo
Today · 4.125%
HK$67,430
baseline
▲ 0.50% · 4.625%
HK$71,533
+HK$4,103/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,860/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,588
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,481
−HK$1,921/mo
Today · 4.125%
HK$74,402
baseline
▲ 0.50% · 4.625%
HK$78,324
+HK$3,922/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,804/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,712 · Scale 2, in force from 26 Feb 2026)