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$35,063
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,153
−HK$1,108/mo
Today · 4.125%
HK$37,261
baseline
▲ 0.50% · 4.625%
HK$39,529
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,522/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,007
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,053
−HK$1,061/mo
Today · 4.125%
HK$41,114
baseline
▲ 0.50% · 4.625%
HK$43,281
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,228/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,075
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,384
−HK$1,330/mo
Today · 4.125%
HK$44,714
baseline
▲ 0.50% · 4.625%
HK$47,434
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,428/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,808
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,064
−HK$1,273/mo
Today · 4.125%
HK$49,337
baseline
▲ 0.50% · 4.625%
HK$51,938
+HK$2,601/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,674/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,088
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,615
−HK$1,551/mo
Today · 4.125%
HK$52,166
baseline
▲ 0.50% · 4.625%
HK$55,340
+HK$3,174/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,332/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,610
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,074
−HK$1,486/mo
Today · 4.125%
HK$57,560
baseline
▲ 0.50% · 4.625%
HK$60,594
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,120/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,113
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,076
−HK$1,994/mo
Today · 4.125%
HK$67,070
baseline
▲ 0.50% · 4.625%
HK$71,152
+HK$4,082/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,140/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,212
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,095
−HK$1,911/mo
Today · 4.125%
HK$74,006
baseline
▲ 0.50% · 4.625%
HK$77,907
+HK$3,901/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,012/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,624 · Scale 2, in force from 26 Feb 2026)