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$35,258
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,354
−HK$1,115/mo
Today · 4.125%
HK$37,469
baseline
▲ 0.50% · 4.625%
HK$39,748
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,938/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,224
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,276
−HK$1,067/mo
Today · 4.125%
HK$41,343
baseline
▲ 0.50% · 4.625%
HK$43,522
+HK$2,179/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,686/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,309
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,625
−HK$1,337/mo
Today · 4.125%
HK$44,962
baseline
▲ 0.50% · 4.625%
HK$47,698
+HK$2,736/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$89,924/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,068
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,331
−HK$1,280/mo
Today · 4.125%
HK$49,611
baseline
▲ 0.50% · 4.625%
HK$52,226
+HK$2,615/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$99,222/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,361
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,896
−HK$1,560/mo
Today · 4.125%
HK$52,456
baseline
▲ 0.50% · 4.625%
HK$55,648
+HK$3,192/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,912/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,913
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,386
−HK$1,494/mo
Today · 4.125%
HK$57,880
baseline
▲ 0.50% · 4.625%
HK$60,931
+HK$3,051/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,760/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,464
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,438
−HK$2,005/mo
Today · 4.125%
HK$67,443
baseline
▲ 0.50% · 4.625%
HK$71,547
+HK$4,104/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,886/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,603
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,496
−HK$1,921/mo
Today · 4.125%
HK$74,417
baseline
▲ 0.50% · 4.625%
HK$78,340
+HK$3,923/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,834/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,829 · Scale 2, in force from 26 Feb 2026)