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$35,116
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,208
−HK$1,110/mo
Today · 4.125%
HK$37,318
baseline
▲ 0.50% · 4.625%
HK$39,589
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,636/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,066
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,114
−HK$1,063/mo
Today · 4.125%
HK$41,177
baseline
▲ 0.50% · 4.625%
HK$43,347
+HK$2,170/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,354/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,139
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,450
−HK$1,332/mo
Today · 4.125%
HK$44,782
baseline
▲ 0.50% · 4.625%
HK$47,507
+HK$2,725/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,564/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,879
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,137
−HK$1,275/mo
Today · 4.125%
HK$49,412
baseline
▲ 0.50% · 4.625%
HK$52,017
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,824/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,162
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,692
−HK$1,553/mo
Today · 4.125%
HK$52,245
baseline
▲ 0.50% · 4.625%
HK$55,424
+HK$3,179/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,490/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,693
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,160
−HK$1,488/mo
Today · 4.125%
HK$57,648
baseline
▲ 0.50% · 4.625%
HK$60,686
+HK$3,038/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,296/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,209
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,175
−HK$1,998/mo
Today · 4.125%
HK$67,173
baseline
▲ 0.50% · 4.625%
HK$71,260
+HK$4,087/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,346/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,319
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,205
−HK$1,913/mo
Today · 4.125%
HK$74,118
baseline
▲ 0.50% · 4.625%
HK$78,025
+HK$3,907/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,236/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,502 · Scale 2, in force from 26 Feb 2026)