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$35,054
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,144
−HK$1,108/mo
Today · 4.125%
HK$37,252
baseline
▲ 0.50% · 4.625%
HK$39,519
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,504/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,997
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,043
−HK$1,061/mo
Today · 4.125%
HK$41,104
baseline
▲ 0.50% · 4.625%
HK$43,271
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,208/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,065
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,373
−HK$1,330/mo
Today · 4.125%
HK$44,703
baseline
▲ 0.50% · 4.625%
HK$47,423
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,406/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,797
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,052
−HK$1,273/mo
Today · 4.125%
HK$49,325
baseline
▲ 0.50% · 4.625%
HK$51,925
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,650/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,076
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,602
−HK$1,551/mo
Today · 4.125%
HK$52,153
baseline
▲ 0.50% · 4.625%
HK$55,326
+HK$3,173/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,306/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,596
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,060
−HK$1,486/mo
Today · 4.125%
HK$57,546
baseline
▲ 0.50% · 4.625%
HK$60,579
+HK$3,033/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,092/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,097
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,060
−HK$1,994/mo
Today · 4.125%
HK$67,054
baseline
▲ 0.50% · 4.625%
HK$71,134
+HK$4,080/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,108/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,195
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,078
−HK$1,909/mo
Today · 4.125%
HK$73,987
baseline
▲ 0.50% · 4.625%
HK$77,887
+HK$3,900/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$147,974/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,481 · Scale 2, in force from 26 Feb 2026)