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$35,161
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,255
−HK$1,111/mo
Today · 4.125%
HK$37,366
baseline
▲ 0.50% · 4.625%
HK$39,640
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,732/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,117
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,166
−HK$1,064/mo
Today · 4.125%
HK$41,230
baseline
▲ 0.50% · 4.625%
HK$43,403
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,460/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,194
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,506
−HK$1,334/mo
Today · 4.125%
HK$44,840
baseline
▲ 0.50% · 4.625%
HK$47,568
+HK$2,728/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,680/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,940
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,199
−HK$1,277/mo
Today · 4.125%
HK$49,476
baseline
▲ 0.50% · 4.625%
HK$52,084
+HK$2,608/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,952/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,226
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,757
−HK$1,556/mo
Today · 4.125%
HK$52,313
baseline
▲ 0.50% · 4.625%
HK$55,496
+HK$3,183/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$104,626/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,763
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,232
−HK$1,490/mo
Today · 4.125%
HK$57,722
baseline
▲ 0.50% · 4.625%
HK$60,765
+HK$3,043/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$115,444/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,290
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,259
−HK$2,000/mo
Today · 4.125%
HK$67,259
baseline
▲ 0.50% · 4.625%
HK$71,352
+HK$4,093/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,518/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,410
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,298
−HK$1,916/mo
Today · 4.125%
HK$74,214
baseline
▲ 0.50% · 4.625%
HK$78,126
+HK$3,912/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,428/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,247 · Scale 2, in force from 26 Feb 2026)