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$35,089
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,180
−HK$1,109/mo
Today · 4.125%
HK$37,289
baseline
▲ 0.50% · 4.625%
HK$39,558
+HK$2,269/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,578/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,036
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,083
−HK$1,062/mo
Today · 4.125%
HK$41,145
baseline
▲ 0.50% · 4.625%
HK$43,313
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,290/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,106
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,416
−HK$1,331/mo
Today · 4.125%
HK$44,747
baseline
▲ 0.50% · 4.625%
HK$47,469
+HK$2,722/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$89,494/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,843
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,099
−HK$1,275/mo
Today · 4.125%
HK$49,374
baseline
▲ 0.50% · 4.625%
HK$51,976
+HK$2,602/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$98,748/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,124
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,652
−HK$1,552/mo
Today · 4.125%
HK$52,204
baseline
▲ 0.50% · 4.625%
HK$55,381
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,408/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,650
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,116
−HK$1,486/mo
Today · 4.125%
HK$57,602
baseline
▲ 0.50% · 4.625%
HK$60,639
+HK$3,037/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,204/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,159
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,124
−HK$1,996/mo
Today · 4.125%
HK$67,120
baseline
▲ 0.50% · 4.625%
HK$71,204
+HK$4,084/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,240/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,264
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,149
−HK$1,911/mo
Today · 4.125%
HK$74,060
baseline
▲ 0.50% · 4.625%
HK$77,964
+HK$3,904/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,120/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,049 · Scale 2, in force from 26 Feb 2026)