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$35,136
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,229
−HK$1,111/mo
Today · 4.125%
HK$37,340
baseline
▲ 0.50% · 4.625%
HK$39,612
+HK$2,272/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,680/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,089
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,137
−HK$1,064/mo
Today · 4.125%
HK$41,201
baseline
▲ 0.50% · 4.625%
HK$43,372
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,402/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,163
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,475
−HK$1,332/mo
Today · 4.125%
HK$44,807
baseline
▲ 0.50% · 4.625%
HK$47,534
+HK$2,727/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$89,614/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,906
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,164
−HK$1,277/mo
Today · 4.125%
HK$49,441
baseline
▲ 0.50% · 4.625%
HK$52,047
+HK$2,606/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$98,882/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,191
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,721
−HK$1,554/mo
Today · 4.125%
HK$52,275
baseline
▲ 0.50% · 4.625%
HK$55,456
+HK$3,181/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,550/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,724
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,192
−HK$1,489/mo
Today · 4.125%
HK$57,681
baseline
▲ 0.50% · 4.625%
HK$60,721
+HK$3,040/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,362/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,245
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,212
−HK$1,999/mo
Today · 4.125%
HK$67,211
baseline
▲ 0.50% · 4.625%
HK$71,301
+HK$4,090/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,422/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,360
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,247
−HK$1,914/mo
Today · 4.125%
HK$74,161
baseline
▲ 0.50% · 4.625%
HK$78,070
+HK$3,909/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,322/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,834 · Scale 2, in force from 26 Feb 2026)