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$35,104
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,196
−HK$1,109/mo
Today · 4.125%
HK$37,305
baseline
▲ 0.50% · 4.625%
HK$39,575
+HK$2,270/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,610/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,053
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,100
−HK$1,062/mo
Today · 4.125%
HK$41,162
baseline
▲ 0.50% · 4.625%
HK$43,332
+HK$2,170/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,324/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,124
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,435
−HK$1,331/mo
Today · 4.125%
HK$44,766
baseline
▲ 0.50% · 4.625%
HK$47,490
+HK$2,724/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,532/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,863
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,120
−HK$1,275/mo
Today · 4.125%
HK$49,395
baseline
▲ 0.50% · 4.625%
HK$51,999
+HK$2,604/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,790/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,145
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,674
−HK$1,553/mo
Today · 4.125%
HK$52,227
baseline
▲ 0.50% · 4.625%
HK$55,405
+HK$3,178/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,454/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,674
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,140
−HK$1,487/mo
Today · 4.125%
HK$57,627
baseline
▲ 0.50% · 4.625%
HK$60,665
+HK$3,038/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,254/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,187
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,152
−HK$1,997/mo
Today · 4.125%
HK$67,149
baseline
▲ 0.50% · 4.625%
HK$71,235
+HK$4,086/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,298/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,295
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,180
−HK$1,912/mo
Today · 4.125%
HK$74,092
baseline
▲ 0.50% · 4.625%
HK$77,998
+HK$3,906/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,184/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,299 · Scale 2, in force from 26 Feb 2026)