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$35,125
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,218
−HK$1,110/mo
Today · 4.125%
HK$37,328
baseline
▲ 0.50% · 4.625%
HK$39,599
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,656/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,076
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,124
−HK$1,064/mo
Today · 4.125%
HK$41,188
baseline
▲ 0.50% · 4.625%
HK$43,359
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,376/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,150
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,461
−HK$1,332/mo
Today · 4.125%
HK$44,793
baseline
▲ 0.50% · 4.625%
HK$47,519
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,586/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,892
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,149
−HK$1,276/mo
Today · 4.125%
HK$49,425
baseline
▲ 0.50% · 4.625%
HK$52,030
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,850/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,175
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,705
−HK$1,554/mo
Today · 4.125%
HK$52,259
baseline
▲ 0.50% · 4.625%
HK$55,439
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,518/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,707
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,174
−HK$1,489/mo
Today · 4.125%
HK$57,663
baseline
▲ 0.50% · 4.625%
HK$60,702
+HK$3,039/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,326/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,225
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,192
−HK$1,998/mo
Today · 4.125%
HK$67,190
baseline
▲ 0.50% · 4.625%
HK$71,279
+HK$4,089/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,380/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,338
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,224
−HK$1,914/mo
Today · 4.125%
HK$74,138
baseline
▲ 0.50% · 4.625%
HK$78,046
+HK$3,908/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,276/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,653 · Scale 2, in force from 26 Feb 2026)