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$35,096
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,188
−HK$1,109/mo
Today · 4.125%
HK$37,297
baseline
▲ 0.50% · 4.625%
HK$39,567
+HK$2,270/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,594/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,044
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,091
−HK$1,063/mo
Today · 4.125%
HK$41,154
baseline
▲ 0.50% · 4.625%
HK$43,323
+HK$2,169/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,308/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,116
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,426
−HK$1,331/mo
Today · 4.125%
HK$44,757
baseline
▲ 0.50% · 4.625%
HK$47,480
+HK$2,723/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$89,514/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,853
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,110
−HK$1,274/mo
Today · 4.125%
HK$49,384
baseline
▲ 0.50% · 4.625%
HK$51,988
+HK$2,604/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$98,768/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,135
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,663
−HK$1,553/mo
Today · 4.125%
HK$52,216
baseline
▲ 0.50% · 4.625%
HK$55,393
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,432/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,662
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,128
−HK$1,487/mo
Today · 4.125%
HK$57,615
baseline
▲ 0.50% · 4.625%
HK$60,652
+HK$3,037/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,230/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,173
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,138
−HK$1,997/mo
Today · 4.125%
HK$67,135
baseline
▲ 0.50% · 4.625%
HK$71,220
+HK$4,085/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,270/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,280
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,165
−HK$1,912/mo
Today · 4.125%
HK$74,077
baseline
▲ 0.50% · 4.625%
HK$77,981
+HK$3,904/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,154/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,177 · Scale 2, in force from 26 Feb 2026)