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$35,190
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,285
−HK$1,112/mo
Today · 4.125%
HK$37,397
baseline
▲ 0.50% · 4.625%
HK$39,672
+HK$2,275/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,794/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,149
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,199
−HK$1,065/mo
Today · 4.125%
HK$41,264
baseline
▲ 0.50% · 4.625%
HK$43,439
+HK$2,175/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,528/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,228
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,542
−HK$1,334/mo
Today · 4.125%
HK$44,876
baseline
▲ 0.50% · 4.625%
HK$47,607
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,752/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,978
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,238
−HK$1,278/mo
Today · 4.125%
HK$49,516
baseline
▲ 0.50% · 4.625%
HK$52,127
+HK$2,611/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,032/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,266
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,799
−HK$1,557/mo
Today · 4.125%
HK$52,356
baseline
▲ 0.50% · 4.625%
HK$55,541
+HK$3,185/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,712/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,808
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,278
−HK$1,491/mo
Today · 4.125%
HK$57,769
baseline
▲ 0.50% · 4.625%
HK$60,814
+HK$3,045/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,538/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,342
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,312
−HK$2,002/mo
Today · 4.125%
HK$67,314
baseline
▲ 0.50% · 4.625%
HK$71,410
+HK$4,096/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,628/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,468
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,357
−HK$1,918/mo
Today · 4.125%
HK$74,275
baseline
▲ 0.50% · 4.625%
HK$78,190
+HK$3,915/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,550/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,720 · Scale 2, in force from 26 Feb 2026)