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$35,164
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,257
−HK$1,112/mo
Today · 4.125%
HK$37,369
baseline
▲ 0.50% · 4.625%
HK$39,642
+HK$2,273/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,738/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,119
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,168
−HK$1,065/mo
Today · 4.125%
HK$41,233
baseline
▲ 0.50% · 4.625%
HK$43,406
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,466/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,196
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,509
−HK$1,333/mo
Today · 4.125%
HK$44,842
baseline
▲ 0.50% · 4.625%
HK$47,571
+HK$2,729/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,684/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,943
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,202
−HK$1,277/mo
Today · 4.125%
HK$49,479
baseline
▲ 0.50% · 4.625%
HK$52,087
+HK$2,608/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,958/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,229
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,760
−HK$1,556/mo
Today · 4.125%
HK$52,316
baseline
▲ 0.50% · 4.625%
HK$55,499
+HK$3,183/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$104,632/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,767
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,235
−HK$1,491/mo
Today · 4.125%
HK$57,726
baseline
▲ 0.50% · 4.625%
HK$60,768
+HK$3,042/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$115,452/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,294
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,263
−HK$2,000/mo
Today · 4.125%
HK$67,263
baseline
▲ 0.50% · 4.625%
HK$71,356
+HK$4,093/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,526/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,414
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,303
−HK$1,916/mo
Today · 4.125%
HK$74,219
baseline
▲ 0.50% · 4.625%
HK$78,131
+HK$3,912/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,438/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,283 · Scale 2, in force from 26 Feb 2026)