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$35,140
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,233
−HK$1,110/mo
Today · 4.125%
HK$37,343
baseline
▲ 0.50% · 4.625%
HK$39,616
+HK$2,273/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,686/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,093
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,141
−HK$1,064/mo
Today · 4.125%
HK$41,205
baseline
▲ 0.50% · 4.625%
HK$43,377
+HK$2,172/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,410/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,168
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,479
−HK$1,333/mo
Today · 4.125%
HK$44,812
baseline
▲ 0.50% · 4.625%
HK$47,539
+HK$2,727/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$89,624/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,911
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,169
−HK$1,277/mo
Today · 4.125%
HK$49,446
baseline
▲ 0.50% · 4.625%
HK$52,052
+HK$2,606/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$98,892/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,196
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,726
−HK$1,555/mo
Today · 4.125%
HK$52,281
baseline
▲ 0.50% · 4.625%
HK$55,462
+HK$3,181/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,562/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,730
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,197
−HK$1,489/mo
Today · 4.125%
HK$57,686
baseline
▲ 0.50% · 4.625%
HK$60,727
+HK$3,041/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,372/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,251
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,219
−HK$1,999/mo
Today · 4.125%
HK$67,218
baseline
▲ 0.50% · 4.625%
HK$71,308
+HK$4,090/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,436/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,367
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,254
−HK$1,914/mo
Today · 4.125%
HK$74,168
baseline
▲ 0.50% · 4.625%
HK$78,078
+HK$3,910/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,336/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,891 · Scale 2, in force from 26 Feb 2026)