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$35,133
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,226
−HK$1,110/mo
Today · 4.125%
HK$37,336
baseline
▲ 0.50% · 4.625%
HK$39,608
+HK$2,272/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,672/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,085
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,134
−HK$1,063/mo
Today · 4.125%
HK$41,197
baseline
▲ 0.50% · 4.625%
HK$43,368
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,394/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,160
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,471
−HK$1,333/mo
Today · 4.125%
HK$44,804
baseline
▲ 0.50% · 4.625%
HK$47,530
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,608/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,902
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,160
−HK$1,276/mo
Today · 4.125%
HK$49,436
baseline
▲ 0.50% · 4.625%
HK$52,042
+HK$2,606/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,872/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,186
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,716
−HK$1,555/mo
Today · 4.125%
HK$52,271
baseline
▲ 0.50% · 4.625%
HK$55,451
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,542/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,719
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,187
−HK$1,489/mo
Today · 4.125%
HK$57,676
baseline
▲ 0.50% · 4.625%
HK$60,716
+HK$3,040/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,352/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,240
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,207
−HK$1,998/mo
Today · 4.125%
HK$67,205
baseline
▲ 0.50% · 4.625%
HK$71,295
+HK$4,090/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,410/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,354
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,240
−HK$1,914/mo
Today · 4.125%
HK$74,154
baseline
▲ 0.50% · 4.625%
HK$78,063
+HK$3,909/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,308/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,783 · Scale 2, in force from 26 Feb 2026)