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$35,089
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,181
−HK$1,109/mo
Today · 4.125%
HK$37,290
baseline
▲ 0.50% · 4.625%
HK$39,559
+HK$2,269/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,580/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,036
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,083
−HK$1,062/mo
Today · 4.125%
HK$41,145
baseline
▲ 0.50% · 4.625%
HK$43,314
+HK$2,169/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,290/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,107
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,417
−HK$1,331/mo
Today · 4.125%
HK$44,748
baseline
▲ 0.50% · 4.625%
HK$47,470
+HK$2,722/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$89,496/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,844
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,100
−HK$1,275/mo
Today · 4.125%
HK$49,375
baseline
▲ 0.50% · 4.625%
HK$51,977
+HK$2,602/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$98,750/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,125
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,653
−HK$1,552/mo
Today · 4.125%
HK$52,205
baseline
▲ 0.50% · 4.625%
HK$55,382
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,410/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,651
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,117
−HK$1,487/mo
Today · 4.125%
HK$57,604
baseline
▲ 0.50% · 4.625%
HK$60,640
+HK$3,036/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,208/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,161
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,125
−HK$1,996/mo
Today · 4.125%
HK$67,121
baseline
▲ 0.50% · 4.625%
HK$71,206
+HK$4,085/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,242/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,266
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,150
−HK$1,912/mo
Today · 4.125%
HK$74,062
baseline
▲ 0.50% · 4.625%
HK$77,966
+HK$3,904/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,124/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,061 · Scale 2, in force from 26 Feb 2026)