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$35,221
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,316
−HK$1,114/mo
Today · 4.125%
HK$37,430
baseline
▲ 0.50% · 4.625%
HK$39,707
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,860/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,183
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,234
−HK$1,066/mo
Today · 4.125%
HK$41,300
baseline
▲ 0.50% · 4.625%
HK$43,477
+HK$2,177/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,600/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,265
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,580
−HK$1,335/mo
Today · 4.125%
HK$44,915
baseline
▲ 0.50% · 4.625%
HK$47,648
+HK$2,733/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,830/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,019
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,281
−HK$1,279/mo
Today · 4.125%
HK$49,560
baseline
▲ 0.50% · 4.625%
HK$52,172
+HK$2,612/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,120/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,309
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,843
−HK$1,558/mo
Today · 4.125%
HK$52,401
baseline
▲ 0.50% · 4.625%
HK$55,590
+HK$3,189/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,802/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,856
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,327
−HK$1,493/mo
Today · 4.125%
HK$57,820
baseline
▲ 0.50% · 4.625%
HK$60,868
+HK$3,048/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,640/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,398
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,370
−HK$2,003/mo
Today · 4.125%
HK$67,373
baseline
▲ 0.50% · 4.625%
HK$71,473
+HK$4,100/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,746/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,529
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,421
−HK$1,919/mo
Today · 4.125%
HK$74,340
baseline
▲ 0.50% · 4.625%
HK$78,258
+HK$3,918/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,680/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,227 · Scale 2, in force from 26 Feb 2026)