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$35,078
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,169
−HK$1,108/mo
Today · 4.125%
HK$37,277
baseline
▲ 0.50% · 4.625%
HK$39,546
+HK$2,269/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,554/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,024
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,070
−HK$1,062/mo
Today · 4.125%
HK$41,132
baseline
▲ 0.50% · 4.625%
HK$43,300
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,264/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,093
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,403
−HK$1,330/mo
Today · 4.125%
HK$44,733
baseline
▲ 0.50% · 4.625%
HK$47,455
+HK$2,722/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,466/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,828
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,084
−HK$1,274/mo
Today · 4.125%
HK$49,358
baseline
▲ 0.50% · 4.625%
HK$51,960
+HK$2,602/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,716/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,109
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,636
−HK$1,552/mo
Today · 4.125%
HK$52,188
baseline
▲ 0.50% · 4.625%
HK$55,364
+HK$3,176/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$104,376/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,633
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,098
−HK$1,487/mo
Today · 4.125%
HK$57,585
baseline
▲ 0.50% · 4.625%
HK$60,620
+HK$3,035/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$115,170/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,140
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,104
−HK$1,995/mo
Today · 4.125%
HK$67,099
baseline
▲ 0.50% · 4.625%
HK$71,182
+HK$4,083/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,198/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,243
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,126
−HK$1,912/mo
Today · 4.125%
HK$74,038
baseline
▲ 0.50% · 4.625%
HK$77,940
+HK$3,902/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,076/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,872 · Scale 2, in force from 26 Feb 2026)