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$35,053
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,143
−HK$1,108/mo
Today · 4.125%
HK$37,251
baseline
▲ 0.50% · 4.625%
HK$39,517
+HK$2,266/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,502/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,996
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,042
−HK$1,061/mo
Today · 4.125%
HK$41,103
baseline
▲ 0.50% · 4.625%
HK$43,269
+HK$2,166/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,206/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,063
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,372
−HK$1,329/mo
Today · 4.125%
HK$44,701
baseline
▲ 0.50% · 4.625%
HK$47,421
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,402/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,795
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,050
−HK$1,273/mo
Today · 4.125%
HK$49,323
baseline
▲ 0.50% · 4.625%
HK$51,923
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,646/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,074
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,600
−HK$1,551/mo
Today · 4.125%
HK$52,151
baseline
▲ 0.50% · 4.625%
HK$55,324
+HK$3,173/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,302/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,594
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,058
−HK$1,486/mo
Today · 4.125%
HK$57,544
baseline
▲ 0.50% · 4.625%
HK$60,577
+HK$3,033/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,088/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,095
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,057
−HK$1,994/mo
Today · 4.125%
HK$67,051
baseline
▲ 0.50% · 4.625%
HK$71,131
+HK$4,080/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,102/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,192
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,075
−HK$1,910/mo
Today · 4.125%
HK$73,985
baseline
▲ 0.50% · 4.625%
HK$77,884
+HK$3,899/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$147,970/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,460 · Scale 2, in force from 26 Feb 2026)