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$36,222
−HK$1,110/mo
Today · 4.125%
HK$37,332
baseline
▲ 0.50% · 4.625%
HK$39,604
+HK$2,272/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$577,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,081
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,129
−HK$1,063/mo
Today · 4.125%
HK$41,192
baseline
▲ 0.50% · 4.625%
HK$43,364
+HK$2,172/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$577,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,155
−HK$2,643/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$577,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,897
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,155
−HK$1,276/mo
Today · 4.125%
HK$49,431
baseline
▲ 0.50% · 4.625%
HK$52,036
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,862/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,181
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,711
−HK$1,554/mo
Today · 4.125%
HK$52,265
baseline
▲ 0.50% · 4.625%
HK$55,445
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,530/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,713
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,181
−HK$1,488/mo
Today · 4.125%
HK$57,669
baseline
▲ 0.50% · 4.625%
HK$60,709
+HK$3,040/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,338/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,232
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,199
−HK$1,999/mo
Today · 4.125%
HK$67,198
baseline
▲ 0.50% · 4.625%
HK$71,287
+HK$4,089/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,396/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,345
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,232
−HK$1,914/mo
Today · 4.125%
HK$74,146
baseline
▲ 0.50% · 4.625%
HK$78,054
+HK$3,908/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,292/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,717 · Scale 2, in force from 26 Feb 2026)