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$35,225
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,321
−HK$1,113/mo
Today · 4.125%
HK$37,434
baseline
▲ 0.50% · 4.625%
HK$39,712
+HK$2,278/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,868/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,188
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,239
−HK$1,066/mo
Today · 4.125%
HK$41,305
baseline
▲ 0.50% · 4.625%
HK$43,482
+HK$2,177/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,610/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,270
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,585
−HK$1,336/mo
Today · 4.125%
HK$44,921
baseline
▲ 0.50% · 4.625%
HK$47,654
+HK$2,733/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,842/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,025
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,286
−HK$1,280/mo
Today · 4.125%
HK$49,566
baseline
▲ 0.50% · 4.625%
HK$52,179
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,132/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,315
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,849
−HK$1,559/mo
Today · 4.125%
HK$52,408
baseline
▲ 0.50% · 4.625%
HK$55,597
+HK$3,189/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,816/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,863
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,334
−HK$1,493/mo
Today · 4.125%
HK$57,827
baseline
▲ 0.50% · 4.625%
HK$60,875
+HK$3,048/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,654/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,405
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,378
−HK$2,004/mo
Today · 4.125%
HK$67,382
baseline
▲ 0.50% · 4.625%
HK$71,482
+HK$4,100/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,764/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,538
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,430
−HK$1,919/mo
Today · 4.125%
HK$74,349
baseline
▲ 0.50% · 4.625%
HK$78,268
+HK$3,919/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,698/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,298 · Scale 2, in force from 26 Feb 2026)