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$35,177
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,271
−HK$1,112/mo
Today · 4.125%
HK$37,383
baseline
▲ 0.50% · 4.625%
HK$39,657
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,766/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,134
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,183
−HK$1,065/mo
Today · 4.125%
HK$41,248
baseline
▲ 0.50% · 4.625%
HK$43,422
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,496/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,212
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,525
−HK$1,334/mo
Today · 4.125%
HK$44,859
baseline
▲ 0.50% · 4.625%
HK$47,589
+HK$2,730/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,718/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,960
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,220
−HK$1,278/mo
Today · 4.125%
HK$49,498
baseline
▲ 0.50% · 4.625%
HK$52,107
+HK$2,609/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$98,996/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,247
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,779
−HK$1,557/mo
Today · 4.125%
HK$52,336
baseline
▲ 0.50% · 4.625%
HK$55,520
+HK$3,184/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,672/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,787
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,257
−HK$1,490/mo
Today · 4.125%
HK$57,747
baseline
▲ 0.50% · 4.625%
HK$60,791
+HK$3,044/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,494/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,318
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,288
−HK$2,001/mo
Today · 4.125%
HK$67,289
baseline
▲ 0.50% · 4.625%
HK$71,383
+HK$4,094/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,578/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,441
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,330
−HK$1,916/mo
Today · 4.125%
HK$74,246
baseline
▲ 0.50% · 4.625%
HK$78,160
+HK$3,914/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,492/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,499 · Scale 2, in force from 26 Feb 2026)