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$35,129
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,221
−HK$1,111/mo
Today · 4.125%
HK$37,332
baseline
▲ 0.50% · 4.625%
HK$39,603
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,664/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,080
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,128
−HK$1,064/mo
Today · 4.125%
HK$41,192
baseline
▲ 0.50% · 4.625%
HK$43,363
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,384/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,154
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,466
−HK$1,332/mo
Today · 4.125%
HK$44,798
baseline
▲ 0.50% · 4.625%
HK$47,524
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,596/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,896
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,154
−HK$1,276/mo
Today · 4.125%
HK$49,430
baseline
▲ 0.50% · 4.625%
HK$52,036
+HK$2,606/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,860/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,180
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,710
−HK$1,554/mo
Today · 4.125%
HK$52,264
baseline
▲ 0.50% · 4.625%
HK$55,444
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,528/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,712
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,180
−HK$1,488/mo
Today · 4.125%
HK$57,668
baseline
▲ 0.50% · 4.625%
HK$60,708
+HK$3,040/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,336/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,232
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,198
−HK$1,999/mo
Today · 4.125%
HK$67,197
baseline
▲ 0.50% · 4.625%
HK$71,286
+HK$4,089/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,394/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,345
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,231
−HK$1,914/mo
Today · 4.125%
HK$74,145
baseline
▲ 0.50% · 4.625%
HK$78,053
+HK$3,908/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,290/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,710 · Scale 2, in force from 26 Feb 2026)