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$35,218
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,314
−HK$1,113/mo
Today · 4.125%
HK$37,427
baseline
▲ 0.50% · 4.625%
HK$39,704
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,854/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,180
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,231
−HK$1,066/mo
Today · 4.125%
HK$41,297
baseline
▲ 0.50% · 4.625%
HK$43,474
+HK$2,177/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,594/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,262
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,576
−HK$1,336/mo
Today · 4.125%
HK$44,912
baseline
▲ 0.50% · 4.625%
HK$47,645
+HK$2,733/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,824/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,016
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,277
−HK$1,279/mo
Today · 4.125%
HK$49,556
baseline
▲ 0.50% · 4.625%
HK$52,168
+HK$2,612/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,112/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,306
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,839
−HK$1,558/mo
Today · 4.125%
HK$52,397
baseline
▲ 0.50% · 4.625%
HK$55,586
+HK$3,189/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,794/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,852
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,323
−HK$1,492/mo
Today · 4.125%
HK$57,815
baseline
▲ 0.50% · 4.625%
HK$60,863
+HK$3,048/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,630/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,393
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,365
−HK$2,003/mo
Today · 4.125%
HK$67,368
baseline
▲ 0.50% · 4.625%
HK$71,467
+HK$4,099/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,736/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,524
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,415
−HK$1,919/mo
Today · 4.125%
HK$74,334
baseline
▲ 0.50% · 4.625%
HK$78,252
+HK$3,918/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,668/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,183 · Scale 2, in force from 26 Feb 2026)