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$35,115
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,208
−HK$1,109/mo
Today · 4.125%
HK$37,317
baseline
▲ 0.50% · 4.625%
HK$39,588
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,634/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,065
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,113
−HK$1,063/mo
Today · 4.125%
HK$41,176
baseline
▲ 0.50% · 4.625%
HK$43,346
+HK$2,170/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,352/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,138
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,449
−HK$1,332/mo
Today · 4.125%
HK$44,781
baseline
▲ 0.50% · 4.625%
HK$47,506
+HK$2,725/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,562/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,879
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,136
−HK$1,275/mo
Today · 4.125%
HK$49,411
baseline
▲ 0.50% · 4.625%
HK$52,016
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,822/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,161
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,691
−HK$1,553/mo
Today · 4.125%
HK$52,244
baseline
▲ 0.50% · 4.625%
HK$55,423
+HK$3,179/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,488/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,692
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,158
−HK$1,488/mo
Today · 4.125%
HK$57,646
baseline
▲ 0.50% · 4.625%
HK$60,685
+HK$3,039/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,292/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,208
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,174
−HK$1,997/mo
Today · 4.125%
HK$67,171
baseline
▲ 0.50% · 4.625%
HK$71,258
+HK$4,087/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,342/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,318
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,204
−HK$1,913/mo
Today · 4.125%
HK$74,117
baseline
▲ 0.50% · 4.625%
HK$78,024
+HK$3,907/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,234/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,490 · Scale 2, in force from 26 Feb 2026)