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$35,113
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,205
−HK$1,110/mo
Today · 4.125%
HK$37,315
baseline
▲ 0.50% · 4.625%
HK$39,585
+HK$2,270/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,630/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,062
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,110
−HK$1,063/mo
Today · 4.125%
HK$41,173
baseline
▲ 0.50% · 4.625%
HK$43,343
+HK$2,170/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,346/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,135
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,446
−HK$1,331/mo
Today · 4.125%
HK$44,777
baseline
▲ 0.50% · 4.625%
HK$47,502
+HK$2,725/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,554/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,875
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,132
−HK$1,275/mo
Today · 4.125%
HK$49,407
baseline
▲ 0.50% · 4.625%
HK$52,012
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,814/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,158
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,687
−HK$1,553/mo
Today · 4.125%
HK$52,240
baseline
▲ 0.50% · 4.625%
HK$55,419
+HK$3,179/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,480/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,687
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,154
−HK$1,488/mo
Today · 4.125%
HK$57,642
baseline
▲ 0.50% · 4.625%
HK$60,680
+HK$3,038/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,284/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,203
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,169
−HK$1,997/mo
Today · 4.125%
HK$67,166
baseline
▲ 0.50% · 4.625%
HK$71,253
+HK$4,087/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,332/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,312
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,198
−HK$1,913/mo
Today · 4.125%
HK$74,111
baseline
▲ 0.50% · 4.625%
HK$78,018
+HK$3,907/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,222/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,446 · Scale 2, in force from 26 Feb 2026)