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$35,071
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,162
−HK$1,108/mo
Today · 4.125%
HK$37,270
baseline
▲ 0.50% · 4.625%
HK$39,538
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,540/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,016
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,063
−HK$1,061/mo
Today · 4.125%
HK$41,124
baseline
▲ 0.50% · 4.625%
HK$43,292
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,248/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,085
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,395
−HK$1,330/mo
Today · 4.125%
HK$44,725
baseline
▲ 0.50% · 4.625%
HK$47,446
+HK$2,721/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,450/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,820
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,075
−HK$1,274/mo
Today · 4.125%
HK$49,349
baseline
▲ 0.50% · 4.625%
HK$51,950
+HK$2,601/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,698/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,100
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,627
−HK$1,552/mo
Today · 4.125%
HK$52,179
baseline
▲ 0.50% · 4.625%
HK$55,354
+HK$3,175/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$104,358/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,623
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,088
−HK$1,486/mo
Today · 4.125%
HK$57,574
baseline
▲ 0.50% · 4.625%
HK$60,609
+HK$3,035/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$115,148/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,128
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,092
−HK$1,995/mo
Today · 4.125%
HK$67,087
baseline
▲ 0.50% · 4.625%
HK$71,169
+HK$4,082/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,174/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,229
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,113
−HK$1,911/mo
Today · 4.125%
HK$74,024
baseline
▲ 0.50% · 4.625%
HK$77,926
+HK$3,902/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,048/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,765 · Scale 2, in force from 26 Feb 2026)