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$35,101
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,193
−HK$1,110/mo
Today · 4.125%
HK$37,303
baseline
▲ 0.50% · 4.625%
HK$39,572
+HK$2,269/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,606/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,050
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,097
−HK$1,063/mo
Today · 4.125%
HK$41,160
baseline
▲ 0.50% · 4.625%
HK$43,329
+HK$2,169/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,320/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,122
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,432
−HK$1,331/mo
Today · 4.125%
HK$44,763
baseline
▲ 0.50% · 4.625%
HK$47,487
+HK$2,724/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,526/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,860
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,117
−HK$1,275/mo
Today · 4.125%
HK$49,392
baseline
▲ 0.50% · 4.625%
HK$51,995
+HK$2,603/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,784/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,142
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,670
−HK$1,554/mo
Today · 4.125%
HK$52,224
baseline
▲ 0.50% · 4.625%
HK$55,401
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,448/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,670
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,136
−HK$1,488/mo
Today · 4.125%
HK$57,624
baseline
▲ 0.50% · 4.625%
HK$60,661
+HK$3,037/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,248/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,182
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,148
−HK$1,997/mo
Today · 4.125%
HK$67,145
baseline
▲ 0.50% · 4.625%
HK$71,230
+HK$4,085/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,290/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,290
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,175
−HK$1,912/mo
Today · 4.125%
HK$74,087
baseline
▲ 0.50% · 4.625%
HK$77,993
+HK$3,906/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,174/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,261 · Scale 2, in force from 26 Feb 2026)