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$35,123
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,216
−HK$1,110/mo
Today · 4.125%
HK$37,326
baseline
▲ 0.50% · 4.625%
HK$39,597
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,652/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,074
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,122
−HK$1,063/mo
Today · 4.125%
HK$41,185
baseline
▲ 0.50% · 4.625%
HK$43,356
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,370/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,148
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,459
−HK$1,332/mo
Today · 4.125%
HK$44,791
baseline
▲ 0.50% · 4.625%
HK$47,516
+HK$2,725/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,582/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,889
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,147
−HK$1,275/mo
Today · 4.125%
HK$49,422
baseline
▲ 0.50% · 4.625%
HK$52,028
+HK$2,606/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,844/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,173
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,702
−HK$1,554/mo
Today · 4.125%
HK$52,256
baseline
▲ 0.50% · 4.625%
HK$55,436
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,512/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,704
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,171
−HK$1,489/mo
Today · 4.125%
HK$57,660
baseline
▲ 0.50% · 4.625%
HK$60,699
+HK$3,039/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,320/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,222
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,189
−HK$1,998/mo
Today · 4.125%
HK$67,187
baseline
▲ 0.50% · 4.625%
HK$71,275
+HK$4,088/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,374/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,334
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,220
−HK$1,914/mo
Today · 4.125%
HK$74,134
baseline
▲ 0.50% · 4.625%
HK$78,041
+HK$3,907/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,268/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,622 · Scale 2, in force from 26 Feb 2026)