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$35,123
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,215
−HK$1,110/mo
Today · 4.125%
HK$37,325
baseline
▲ 0.50% · 4.625%
HK$39,597
+HK$2,272/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,650/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,074
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,122
−HK$1,063/mo
Today · 4.125%
HK$41,185
baseline
▲ 0.50% · 4.625%
HK$43,356
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,370/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,147
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,458
−HK$1,332/mo
Today · 4.125%
HK$44,790
baseline
▲ 0.50% · 4.625%
HK$47,516
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,580/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,889
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,146
−HK$1,276/mo
Today · 4.125%
HK$49,422
baseline
▲ 0.50% · 4.625%
HK$52,027
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,844/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,172
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,702
−HK$1,554/mo
Today · 4.125%
HK$52,256
baseline
▲ 0.50% · 4.625%
HK$55,435
+HK$3,179/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,512/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,703
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,170
−HK$1,489/mo
Today · 4.125%
HK$57,659
baseline
▲ 0.50% · 4.625%
HK$60,698
+HK$3,039/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,318/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,221
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,188
−HK$1,998/mo
Today · 4.125%
HK$67,186
baseline
▲ 0.50% · 4.625%
HK$71,274
+HK$4,088/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,372/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,333
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,219
−HK$1,914/mo
Today · 4.125%
HK$74,133
baseline
▲ 0.50% · 4.625%
HK$78,040
+HK$3,907/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,266/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,614 · Scale 2, in force from 26 Feb 2026)