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$35,122
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,214
−HK$1,110/mo
Today · 4.125%
HK$37,324
baseline
▲ 0.50% · 4.625%
HK$39,595
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,648/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,072
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,120
−HK$1,063/mo
Today · 4.125%
HK$41,183
baseline
▲ 0.50% · 4.625%
HK$43,354
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,366/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,146
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,457
−HK$1,332/mo
Today · 4.125%
HK$44,789
baseline
▲ 0.50% · 4.625%
HK$47,514
+HK$2,725/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,578/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,887
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,144
−HK$1,276/mo
Today · 4.125%
HK$49,420
baseline
▲ 0.50% · 4.625%
HK$52,025
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,840/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,170
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,700
−HK$1,554/mo
Today · 4.125%
HK$52,254
baseline
▲ 0.50% · 4.625%
HK$55,433
+HK$3,179/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,508/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,701
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,168
−HK$1,489/mo
Today · 4.125%
HK$57,657
baseline
▲ 0.50% · 4.625%
HK$60,696
+HK$3,039/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,314/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,219
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,185
−HK$1,998/mo
Today · 4.125%
HK$67,183
baseline
▲ 0.50% · 4.625%
HK$71,271
+HK$4,088/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,366/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,330
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,216
−HK$1,914/mo
Today · 4.125%
HK$74,130
baseline
▲ 0.50% · 4.625%
HK$78,037
+HK$3,907/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,260/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,592 · Scale 2, in force from 26 Feb 2026)