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$35,068
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,159
−HK$1,108/mo
Today · 4.125%
HK$37,267
baseline
▲ 0.50% · 4.625%
HK$39,535
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,534/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,013
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,059
−HK$1,062/mo
Today · 4.125%
HK$41,121
baseline
▲ 0.50% · 4.625%
HK$43,288
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,242/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,082
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,391
−HK$1,330/mo
Today · 4.125%
HK$44,721
baseline
▲ 0.50% · 4.625%
HK$47,442
+HK$2,721/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,442/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,815
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,071
−HK$1,274/mo
Today · 4.125%
HK$49,345
baseline
▲ 0.50% · 4.625%
HK$51,946
+HK$2,601/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,690/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,095
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,622
−HK$1,552/mo
Today · 4.125%
HK$52,174
baseline
▲ 0.50% · 4.625%
HK$55,349
+HK$3,175/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$104,348/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,618
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,083
−HK$1,486/mo
Today · 4.125%
HK$57,569
baseline
▲ 0.50% · 4.625%
HK$60,603
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$115,138/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,122
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,086
−HK$1,995/mo
Today · 4.125%
HK$67,081
baseline
▲ 0.50% · 4.625%
HK$71,162
+HK$4,081/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,162/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,223
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,106
−HK$1,911/mo
Today · 4.125%
HK$74,017
baseline
▲ 0.50% · 4.625%
HK$77,919
+HK$3,902/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,034/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,712 · Scale 2, in force from 26 Feb 2026)