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$35,207
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,302
−HK$1,113/mo
Today · 4.125%
HK$37,415
baseline
▲ 0.50% · 4.625%
HK$39,691
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,830/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,167
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,218
−HK$1,065/mo
Today · 4.125%
HK$41,283
baseline
▲ 0.50% · 4.625%
HK$43,459
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,566/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,248
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,562
−HK$1,336/mo
Today · 4.125%
HK$44,898
baseline
▲ 0.50% · 4.625%
HK$47,629
+HK$2,731/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$89,796/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,001
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,261
−HK$1,279/mo
Today · 4.125%
HK$49,540
baseline
▲ 0.50% · 4.625%
HK$52,151
+HK$2,611/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$99,080/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,290
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,823
−HK$1,558/mo
Today · 4.125%
HK$52,381
baseline
▲ 0.50% · 4.625%
HK$55,568
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,762/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,834
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,305
−HK$1,492/mo
Today · 4.125%
HK$57,797
baseline
▲ 0.50% · 4.625%
HK$60,843
+HK$3,046/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,594/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,372
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,344
−HK$2,002/mo
Today · 4.125%
HK$67,346
baseline
▲ 0.50% · 4.625%
HK$71,444
+HK$4,098/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,692/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,501
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,392
−HK$1,918/mo
Today · 4.125%
HK$74,310
baseline
▲ 0.50% · 4.625%
HK$78,227
+HK$3,917/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,620/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,996 · Scale 2, in force from 26 Feb 2026)