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$35,132
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,225
−HK$1,110/mo
Today · 4.125%
HK$37,335
baseline
▲ 0.50% · 4.625%
HK$39,607
+HK$2,272/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,670/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,084
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,132
−HK$1,063/mo
Today · 4.125%
HK$41,195
baseline
▲ 0.50% · 4.625%
HK$43,367
+HK$2,172/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,390/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,158
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,470
−HK$1,332/mo
Today · 4.125%
HK$44,802
baseline
▲ 0.50% · 4.625%
HK$47,528
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,604/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,901
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,158
−HK$1,276/mo
Today · 4.125%
HK$49,434
baseline
▲ 0.50% · 4.625%
HK$52,040
+HK$2,606/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,868/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,185
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,714
−HK$1,555/mo
Today · 4.125%
HK$52,269
baseline
▲ 0.50% · 4.625%
HK$55,449
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,538/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,717
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,185
−HK$1,488/mo
Today · 4.125%
HK$57,673
baseline
▲ 0.50% · 4.625%
HK$60,714
+HK$3,041/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,346/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,237
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,204
−HK$1,999/mo
Today · 4.125%
HK$67,203
baseline
▲ 0.50% · 4.625%
HK$71,292
+HK$4,089/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,406/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,351
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,238
−HK$1,914/mo
Today · 4.125%
HK$74,152
baseline
▲ 0.50% · 4.625%
HK$78,060
+HK$3,908/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,304/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,761 · Scale 2, in force from 26 Feb 2026)