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$35,181
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,275
−HK$1,112/mo
Today · 4.125%
HK$37,387
baseline
▲ 0.50% · 4.625%
HK$39,662
+HK$2,275/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,774/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,138
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,188
−HK$1,065/mo
Today · 4.125%
HK$41,253
baseline
▲ 0.50% · 4.625%
HK$43,427
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,506/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,217
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,530
−HK$1,334/mo
Today · 4.125%
HK$44,864
baseline
▲ 0.50% · 4.625%
HK$47,594
+HK$2,730/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,728/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,966
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,225
−HK$1,278/mo
Today · 4.125%
HK$49,503
baseline
▲ 0.50% · 4.625%
HK$52,113
+HK$2,610/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,006/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,253
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,785
−HK$1,556/mo
Today · 4.125%
HK$52,341
baseline
▲ 0.50% · 4.625%
HK$55,526
+HK$3,185/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,682/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,793
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,263
−HK$1,491/mo
Today · 4.125%
HK$57,754
baseline
▲ 0.50% · 4.625%
HK$60,798
+HK$3,044/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,508/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,325
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,295
−HK$2,001/mo
Today · 4.125%
HK$67,296
baseline
▲ 0.50% · 4.625%
HK$71,391
+HK$4,095/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,592/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,449
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,338
−HK$1,917/mo
Today · 4.125%
HK$74,255
baseline
▲ 0.50% · 4.625%
HK$78,169
+HK$3,914/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,510/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,564 · Scale 2, in force from 26 Feb 2026)