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$35,175
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,269
−HK$1,112/mo
Today · 4.125%
HK$37,381
baseline
▲ 0.50% · 4.625%
HK$39,655
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,762/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,132
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,181
−HK$1,065/mo
Today · 4.125%
HK$41,246
baseline
▲ 0.50% · 4.625%
HK$43,420
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,492/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,210
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,523
−HK$1,334/mo
Today · 4.125%
HK$44,857
baseline
▲ 0.50% · 4.625%
HK$47,586
+HK$2,729/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,714/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,958
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,218
−HK$1,277/mo
Today · 4.125%
HK$49,495
baseline
▲ 0.50% · 4.625%
HK$52,104
+HK$2,609/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$98,990/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,245
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,777
−HK$1,556/mo
Today · 4.125%
HK$52,333
baseline
▲ 0.50% · 4.625%
HK$55,518
+HK$3,185/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,666/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,785
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,254
−HK$1,490/mo
Today · 4.125%
HK$57,744
baseline
▲ 0.50% · 4.625%
HK$60,788
+HK$3,044/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,488/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,315
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,285
−HK$2,000/mo
Today · 4.125%
HK$67,285
baseline
▲ 0.50% · 4.625%
HK$71,380
+HK$4,095/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,570/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,437
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,326
−HK$1,917/mo
Today · 4.125%
HK$74,243
baseline
▲ 0.50% · 4.625%
HK$78,156
+HK$3,913/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,486/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,472 · Scale 2, in force from 26 Feb 2026)