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$35,157
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,251
−HK$1,111/mo
Today · 4.125%
HK$37,362
baseline
▲ 0.50% · 4.625%
HK$39,636
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,724/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,112
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,161
−HK$1,064/mo
Today · 4.125%
HK$41,225
baseline
▲ 0.50% · 4.625%
HK$43,398
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,450/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,189
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,501
−HK$1,334/mo
Today · 4.125%
HK$44,835
baseline
▲ 0.50% · 4.625%
HK$47,563
+HK$2,728/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,670/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,935
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,194
−HK$1,277/mo
Today · 4.125%
HK$49,471
baseline
▲ 0.50% · 4.625%
HK$52,078
+HK$2,607/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,942/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,220
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,751
−HK$1,556/mo
Today · 4.125%
HK$52,307
baseline
▲ 0.50% · 4.625%
HK$55,490
+HK$3,183/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$104,614/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,757
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,226
−HK$1,490/mo
Today · 4.125%
HK$57,716
baseline
▲ 0.50% · 4.625%
HK$60,758
+HK$3,042/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$115,432/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,283
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,252
−HK$2,000/mo
Today · 4.125%
HK$67,252
baseline
▲ 0.50% · 4.625%
HK$71,344
+HK$4,092/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,504/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,402
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,290
−HK$1,916/mo
Today · 4.125%
HK$74,206
baseline
▲ 0.50% · 4.625%
HK$78,117
+HK$3,911/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,412/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,183 · Scale 2, in force from 26 Feb 2026)