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$35,145
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,239
−HK$1,110/mo
Today · 4.125%
HK$37,349
baseline
▲ 0.50% · 4.625%
HK$39,622
+HK$2,273/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,698/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,099
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,147
−HK$1,064/mo
Today · 4.125%
HK$41,211
baseline
▲ 0.50% · 4.625%
HK$43,383
+HK$2,172/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,422/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,174
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,486
−HK$1,333/mo
Today · 4.125%
HK$44,819
baseline
▲ 0.50% · 4.625%
HK$47,546
+HK$2,727/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,638/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,919
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,177
−HK$1,276/mo
Today · 4.125%
HK$49,453
baseline
▲ 0.50% · 4.625%
HK$52,060
+HK$2,607/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,906/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,203
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,734
−HK$1,555/mo
Today · 4.125%
HK$52,289
baseline
▲ 0.50% · 4.625%
HK$55,471
+HK$3,182/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,578/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,738
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,206
−HK$1,490/mo
Today · 4.125%
HK$57,696
baseline
▲ 0.50% · 4.625%
HK$60,737
+HK$3,041/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,392/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,262
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,229
−HK$2,000/mo
Today · 4.125%
HK$67,229
baseline
▲ 0.50% · 4.625%
HK$71,319
+HK$4,090/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,458/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,378
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,265
−HK$1,915/mo
Today · 4.125%
HK$74,180
baseline
▲ 0.50% · 4.625%
HK$78,090
+HK$3,910/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,360/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,983 · Scale 2, in force from 26 Feb 2026)