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$35,056
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,147
−HK$1,107/mo
Today · 4.125%
HK$37,254
baseline
▲ 0.50% · 4.625%
HK$39,521
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,508/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,000
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,045
−HK$1,062/mo
Today · 4.125%
HK$41,107
baseline
▲ 0.50% · 4.625%
HK$43,273
+HK$2,166/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,214/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,067
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,376
−HK$1,329/mo
Today · 4.125%
HK$44,705
baseline
▲ 0.50% · 4.625%
HK$47,425
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,410/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,799
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,055
−HK$1,273/mo
Today · 4.125%
HK$49,328
baseline
▲ 0.50% · 4.625%
HK$51,928
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,656/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,079
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,605
−HK$1,551/mo
Today · 4.125%
HK$52,156
baseline
▲ 0.50% · 4.625%
HK$55,330
+HK$3,174/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,312/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,599
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,064
−HK$1,485/mo
Today · 4.125%
HK$57,549
baseline
▲ 0.50% · 4.625%
HK$60,583
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,098/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,101
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,064
−HK$1,994/mo
Today · 4.125%
HK$67,058
baseline
▲ 0.50% · 4.625%
HK$71,138
+HK$4,080/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,116/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,199
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,082
−HK$1,910/mo
Today · 4.125%
HK$73,992
baseline
▲ 0.50% · 4.625%
HK$77,892
+HK$3,900/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$147,984/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,516 · Scale 2, in force from 26 Feb 2026)