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$35,261
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,357
−HK$1,115/mo
Today · 4.125%
HK$37,472
baseline
▲ 0.50% · 4.625%
HK$39,752
+HK$2,280/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,944/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,227
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,279
−HK$1,067/mo
Today · 4.125%
HK$41,346
baseline
▲ 0.50% · 4.625%
HK$43,526
+HK$2,180/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,692/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,313
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,629
−HK$1,337/mo
Today · 4.125%
HK$44,966
baseline
▲ 0.50% · 4.625%
HK$47,702
+HK$2,736/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,932/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$579,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,073
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,335
−HK$1,281/mo
Today · 4.125%
HK$49,616
baseline
▲ 0.50% · 4.625%
HK$52,231
+HK$2,615/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,232/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$579,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,365
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,900
−HK$1,561/mo
Today · 4.125%
HK$52,461
baseline
▲ 0.50% · 4.625%
HK$55,653
+HK$3,192/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,922/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,918
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,391
−HK$1,494/mo
Today · 4.125%
HK$57,885
baseline
▲ 0.50% · 4.625%
HK$60,936
+HK$3,051/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,770/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,469
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,443
−HK$2,006/mo
Today · 4.125%
HK$67,449
baseline
▲ 0.50% · 4.625%
HK$71,553
+HK$4,104/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,898/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,609
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,502
−HK$1,922/mo
Today · 4.125%
HK$74,424
baseline
▲ 0.50% · 4.625%
HK$78,347
+HK$3,923/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,848/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,880 · Scale 2, in force from 26 Feb 2026)