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$35,155
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,249
−HK$1,111/mo
Today · 4.125%
HK$37,360
baseline
▲ 0.50% · 4.625%
HK$39,633
+HK$2,273/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,720/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,110
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,159
−HK$1,064/mo
Today · 4.125%
HK$41,223
baseline
▲ 0.50% · 4.625%
HK$43,396
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,446/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,187
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,499
−HK$1,333/mo
Today · 4.125%
HK$44,832
baseline
▲ 0.50% · 4.625%
HK$47,560
+HK$2,728/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,664/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,932
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,191
−HK$1,277/mo
Today · 4.125%
HK$49,468
baseline
▲ 0.50% · 4.625%
HK$52,075
+HK$2,607/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,936/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,218
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,749
−HK$1,555/mo
Today · 4.125%
HK$52,304
baseline
▲ 0.50% · 4.625%
HK$55,487
+HK$3,183/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$104,608/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,754
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,223
−HK$1,489/mo
Today · 4.125%
HK$57,712
baseline
▲ 0.50% · 4.625%
HK$60,754
+HK$3,042/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$115,424/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,280
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,248
−HK$2,000/mo
Today · 4.125%
HK$67,248
baseline
▲ 0.50% · 4.625%
HK$71,340
+HK$4,092/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,496/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,398
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,286
−HK$1,916/mo
Today · 4.125%
HK$74,202
baseline
▲ 0.50% · 4.625%
HK$78,113
+HK$3,911/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,404/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,150 · Scale 2, in force from 26 Feb 2026)