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$35,126
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,219
−HK$1,110/mo
Today · 4.125%
HK$37,329
baseline
▲ 0.50% · 4.625%
HK$39,601
+HK$2,272/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,658/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,078
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,126
−HK$1,063/mo
Today · 4.125%
HK$41,189
baseline
▲ 0.50% · 4.625%
HK$43,360
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,378/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,152
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,463
−HK$1,332/mo
Today · 4.125%
HK$44,795
baseline
▲ 0.50% · 4.625%
HK$47,521
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,590/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,893
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,151
−HK$1,276/mo
Today · 4.125%
HK$49,427
baseline
▲ 0.50% · 4.625%
HK$52,032
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,854/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,177
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,707
−HK$1,554/mo
Today · 4.125%
HK$52,261
baseline
▲ 0.50% · 4.625%
HK$55,441
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,522/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,709
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,176
−HK$1,489/mo
Today · 4.125%
HK$57,665
baseline
▲ 0.50% · 4.625%
HK$60,704
+HK$3,039/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,330/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,228
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,194
−HK$1,998/mo
Today · 4.125%
HK$67,192
baseline
▲ 0.50% · 4.625%
HK$71,281
+HK$4,089/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,384/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,340
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,226
−HK$1,914/mo
Today · 4.125%
HK$74,140
baseline
▲ 0.50% · 4.625%
HK$78,048
+HK$3,908/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,280/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,673 · Scale 2, in force from 26 Feb 2026)