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$35,065
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,156
−HK$1,108/mo
Today · 4.125%
HK$37,264
baseline
▲ 0.50% · 4.625%
HK$39,532
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,528/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,010
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,056
−HK$1,062/mo
Today · 4.125%
HK$41,118
baseline
▲ 0.50% · 4.625%
HK$43,285
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,236/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,079
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,387
−HK$1,330/mo
Today · 4.125%
HK$44,717
baseline
▲ 0.50% · 4.625%
HK$47,438
+HK$2,721/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,434/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,812
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,067
−HK$1,274/mo
Today · 4.125%
HK$49,341
baseline
▲ 0.50% · 4.625%
HK$51,942
+HK$2,601/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,682/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,092
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,619
−HK$1,551/mo
Today · 4.125%
HK$52,170
baseline
▲ 0.50% · 4.625%
HK$55,345
+HK$3,175/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,340/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,614
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,079
−HK$1,486/mo
Today · 4.125%
HK$57,565
baseline
▲ 0.50% · 4.625%
HK$60,599
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,130/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,118
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,081
−HK$1,995/mo
Today · 4.125%
HK$67,076
baseline
▲ 0.50% · 4.625%
HK$71,157
+HK$4,081/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,152/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,218
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,101
−HK$1,911/mo
Today · 4.125%
HK$74,012
baseline
▲ 0.50% · 4.625%
HK$77,913
+HK$3,901/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,024/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,670 · Scale 2, in force from 26 Feb 2026)