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$35,198
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,293
−HK$1,112/mo
Today · 4.125%
HK$37,405
baseline
▲ 0.50% · 4.625%
HK$39,681
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,810/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,158
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,208
−HK$1,065/mo
Today · 4.125%
HK$41,273
baseline
▲ 0.50% · 4.625%
HK$43,449
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,546/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,238
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,552
−HK$1,334/mo
Today · 4.125%
HK$44,886
baseline
▲ 0.50% · 4.625%
HK$47,618
+HK$2,732/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,772/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,989
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,249
−HK$1,279/mo
Today · 4.125%
HK$49,528
baseline
▲ 0.50% · 4.625%
HK$52,138
+HK$2,610/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,056/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,277
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,810
−HK$1,557/mo
Today · 4.125%
HK$52,367
baseline
▲ 0.50% · 4.625%
HK$55,554
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,734/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,821
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,291
−HK$1,491/mo
Today · 4.125%
HK$57,782
baseline
▲ 0.50% · 4.625%
HK$60,828
+HK$3,046/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,564/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,357
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,327
−HK$2,003/mo
Today · 4.125%
HK$67,330
baseline
▲ 0.50% · 4.625%
HK$71,426
+HK$4,096/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,660/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,484
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,374
−HK$1,918/mo
Today · 4.125%
HK$74,292
baseline
▲ 0.50% · 4.625%
HK$78,208
+HK$3,916/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,584/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,852 · Scale 2, in force from 26 Feb 2026)