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$35,243
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,340
−HK$1,113/mo
Today · 4.125%
HK$37,453
baseline
▲ 0.50% · 4.625%
HK$39,732
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,906/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,208
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,259
−HK$1,067/mo
Today · 4.125%
HK$41,326
baseline
▲ 0.50% · 4.625%
HK$43,504
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,652/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,292
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,607
−HK$1,337/mo
Today · 4.125%
HK$44,944
baseline
▲ 0.50% · 4.625%
HK$47,679
+HK$2,735/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,888/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,049
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,311
−HK$1,280/mo
Today · 4.125%
HK$49,591
baseline
▲ 0.50% · 4.625%
HK$52,205
+HK$2,614/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,182/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,341
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,875
−HK$1,560/mo
Today · 4.125%
HK$52,435
baseline
▲ 0.50% · 4.625%
HK$55,625
+HK$3,190/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,870/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,891
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,363
−HK$1,493/mo
Today · 4.125%
HK$57,856
baseline
▲ 0.50% · 4.625%
HK$60,906
+HK$3,050/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,712/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,438
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,411
−HK$2,005/mo
Today · 4.125%
HK$67,416
baseline
▲ 0.50% · 4.625%
HK$71,518
+HK$4,102/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,832/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,574
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,467
−HK$1,920/mo
Today · 4.125%
HK$74,387
baseline
▲ 0.50% · 4.625%
HK$78,308
+HK$3,921/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,774/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,594 · Scale 2, in force from 26 Feb 2026)