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$35,201
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,296
−HK$1,113/mo
Today · 4.125%
HK$37,409
baseline
▲ 0.50% · 4.625%
HK$39,685
+HK$2,276/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,818/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,161
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,211
−HK$1,066/mo
Today · 4.125%
HK$41,277
baseline
▲ 0.50% · 4.625%
HK$43,453
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,554/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,242
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,556
−HK$1,334/mo
Today · 4.125%
HK$44,890
baseline
▲ 0.50% · 4.625%
HK$47,622
+HK$2,732/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,780/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,993
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,254
−HK$1,278/mo
Today · 4.125%
HK$49,532
baseline
▲ 0.50% · 4.625%
HK$52,143
+HK$2,611/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,064/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,282
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,815
−HK$1,557/mo
Today · 4.125%
HK$52,372
baseline
▲ 0.50% · 4.625%
HK$55,559
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,744/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,826
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,296
−HK$1,492/mo
Today · 4.125%
HK$57,788
baseline
▲ 0.50% · 4.625%
HK$60,834
+HK$3,046/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,576/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,362
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,333
−HK$2,003/mo
Today · 4.125%
HK$67,336
baseline
▲ 0.50% · 4.625%
HK$71,433
+HK$4,097/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,672/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,490
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,381
−HK$1,917/mo
Today · 4.125%
HK$74,298
baseline
▲ 0.50% · 4.625%
HK$78,215
+HK$3,917/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,596/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,904 · Scale 2, in force from 26 Feb 2026)