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$35,059
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,150
−HK$1,108/mo
Today · 4.125%
HK$37,258
baseline
▲ 0.50% · 4.625%
HK$39,525
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,516/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,003
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,049
−HK$1,061/mo
Today · 4.125%
HK$41,110
baseline
▲ 0.50% · 4.625%
HK$43,277
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,220/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,071
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,380
−HK$1,329/mo
Today · 4.125%
HK$44,709
baseline
▲ 0.50% · 4.625%
HK$47,430
+HK$2,721/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,418/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,804
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,059
−HK$1,273/mo
Today · 4.125%
HK$49,332
baseline
▲ 0.50% · 4.625%
HK$51,933
+HK$2,601/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,664/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,083
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,610
−HK$1,551/mo
Today · 4.125%
HK$52,161
baseline
▲ 0.50% · 4.625%
HK$55,335
+HK$3,174/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,322/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,604
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,069
−HK$1,485/mo
Today · 4.125%
HK$57,554
baseline
▲ 0.50% · 4.625%
HK$60,588
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,108/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,107
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,070
−HK$1,994/mo
Today · 4.125%
HK$67,064
baseline
▲ 0.50% · 4.625%
HK$71,145
+HK$4,081/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,128/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,205
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,088
−HK$1,910/mo
Today · 4.125%
HK$73,998
baseline
▲ 0.50% · 4.625%
HK$77,899
+HK$3,901/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$147,996/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,568 · Scale 2, in force from 26 Feb 2026)