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$35,172
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,266
−HK$1,111/mo
Today · 4.125%
HK$37,377
baseline
▲ 0.50% · 4.625%
HK$39,652
+HK$2,275/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,754/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,128
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,178
−HK$1,064/mo
Today · 4.125%
HK$41,242
baseline
▲ 0.50% · 4.625%
HK$43,416
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,484/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,206
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,519
−HK$1,334/mo
Today · 4.125%
HK$44,853
baseline
▲ 0.50% · 4.625%
HK$47,582
+HK$2,729/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,706/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,954
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,213
−HK$1,278/mo
Today · 4.125%
HK$49,491
baseline
▲ 0.50% · 4.625%
HK$52,099
+HK$2,608/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,982/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,241
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,772
−HK$1,556/mo
Today · 4.125%
HK$52,328
baseline
▲ 0.50% · 4.625%
HK$55,512
+HK$3,184/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,656/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,780
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,249
−HK$1,490/mo
Today · 4.125%
HK$57,739
baseline
▲ 0.50% · 4.625%
HK$60,783
+HK$3,044/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,478/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,309
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,279
−HK$2,000/mo
Today · 4.125%
HK$67,279
baseline
▲ 0.50% · 4.625%
HK$71,373
+HK$4,094/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,558/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,431
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,320
−HK$1,916/mo
Today · 4.125%
HK$74,236
baseline
▲ 0.50% · 4.625%
HK$78,149
+HK$3,913/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,472/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,419 · Scale 2, in force from 26 Feb 2026)