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$35,053
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,144
−HK$1,107/mo
Today · 4.125%
HK$37,251
baseline
▲ 0.50% · 4.625%
HK$39,518
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,502/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,996
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,042
−HK$1,061/mo
Today · 4.125%
HK$41,103
baseline
▲ 0.50% · 4.625%
HK$43,270
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,206/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,064
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,372
−HK$1,330/mo
Today · 4.125%
HK$44,702
baseline
▲ 0.50% · 4.625%
HK$47,422
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,404/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,796
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,051
−HK$1,273/mo
Today · 4.125%
HK$49,324
baseline
▲ 0.50% · 4.625%
HK$51,924
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,648/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,074
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,601
−HK$1,551/mo
Today · 4.125%
HK$52,152
baseline
▲ 0.50% · 4.625%
HK$55,325
+HK$3,173/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,304/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,595
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,059
−HK$1,485/mo
Today · 4.125%
HK$57,544
baseline
▲ 0.50% · 4.625%
HK$60,578
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,088/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,096
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,058
−HK$1,994/mo
Today · 4.125%
HK$67,052
baseline
▲ 0.50% · 4.625%
HK$71,132
+HK$4,080/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,104/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,193
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,076
−HK$1,910/mo
Today · 4.125%
HK$73,986
baseline
▲ 0.50% · 4.625%
HK$77,886
+HK$3,900/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$147,972/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,468 · Scale 2, in force from 26 Feb 2026)