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$35,099
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,191
−HK$1,109/mo
Today · 4.125%
HK$37,300
baseline
▲ 0.50% · 4.625%
HK$39,570
+HK$2,270/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,600/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,048
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,095
−HK$1,062/mo
Today · 4.125%
HK$41,157
baseline
▲ 0.50% · 4.625%
HK$43,327
+HK$2,170/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,314/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,119
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,429
−HK$1,332/mo
Today · 4.125%
HK$44,761
baseline
▲ 0.50% · 4.625%
HK$47,484
+HK$2,723/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,522/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,857
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,114
−HK$1,275/mo
Today · 4.125%
HK$49,389
baseline
▲ 0.50% · 4.625%
HK$51,992
+HK$2,603/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,778/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,139
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,668
−HK$1,553/mo
Today · 4.125%
HK$52,221
baseline
▲ 0.50% · 4.625%
HK$55,398
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,442/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,667
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,133
−HK$1,487/mo
Today · 4.125%
HK$57,620
baseline
▲ 0.50% · 4.625%
HK$60,658
+HK$3,038/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,240/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,179
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,144
−HK$1,997/mo
Today · 4.125%
HK$67,141
baseline
▲ 0.50% · 4.625%
HK$71,226
+HK$4,085/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,282/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,286
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,171
−HK$1,912/mo
Today · 4.125%
HK$74,083
baseline
▲ 0.50% · 4.625%
HK$77,988
+HK$3,905/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,166/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,228 · Scale 2, in force from 26 Feb 2026)