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$35,141
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,234
−HK$1,110/mo
Today · 4.125%
HK$37,344
baseline
▲ 0.50% · 4.625%
HK$39,617
+HK$2,273/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,688/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,094
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,142
−HK$1,064/mo
Today · 4.125%
HK$41,206
baseline
▲ 0.50% · 4.625%
HK$43,378
+HK$2,172/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,412/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,169
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,481
−HK$1,332/mo
Today · 4.125%
HK$44,813
baseline
▲ 0.50% · 4.625%
HK$47,540
+HK$2,727/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$89,626/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,913
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,171
−HK$1,276/mo
Today · 4.125%
HK$49,447
baseline
▲ 0.50% · 4.625%
HK$52,054
+HK$2,607/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$98,894/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,197
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,727
−HK$1,555/mo
Today · 4.125%
HK$52,282
baseline
▲ 0.50% · 4.625%
HK$55,464
+HK$3,182/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,564/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,731
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,199
−HK$1,489/mo
Today · 4.125%
HK$57,688
baseline
▲ 0.50% · 4.625%
HK$60,729
+HK$3,041/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,376/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,254
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,221
−HK$1,999/mo
Today · 4.125%
HK$67,220
baseline
▲ 0.50% · 4.625%
HK$71,310
+HK$4,090/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,440/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,369
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,256
−HK$1,915/mo
Today · 4.125%
HK$74,171
baseline
▲ 0.50% · 4.625%
HK$78,080
+HK$3,909/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,342/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,910 · Scale 2, in force from 26 Feb 2026)