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$35,098
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,189
−HK$1,110/mo
Today · 4.125%
HK$37,299
baseline
▲ 0.50% · 4.625%
HK$39,568
+HK$2,269/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,598/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,046
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,093
−HK$1,062/mo
Today · 4.125%
HK$41,155
baseline
▲ 0.50% · 4.625%
HK$43,325
+HK$2,170/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,310/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,117
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,427
−HK$1,331/mo
Today · 4.125%
HK$44,758
baseline
▲ 0.50% · 4.625%
HK$47,482
+HK$2,724/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,516/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,855
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,111
−HK$1,275/mo
Today · 4.125%
HK$49,386
baseline
▲ 0.50% · 4.625%
HK$51,989
+HK$2,603/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,772/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,137
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,665
−HK$1,553/mo
Today · 4.125%
HK$52,218
baseline
▲ 0.50% · 4.625%
HK$55,395
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,436/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,664
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,130
−HK$1,487/mo
Today · 4.125%
HK$57,617
baseline
▲ 0.50% · 4.625%
HK$60,654
+HK$3,037/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,234/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,176
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,141
−HK$1,996/mo
Today · 4.125%
HK$67,137
baseline
▲ 0.50% · 4.625%
HK$71,222
+HK$4,085/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,274/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,282
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,167
−HK$1,912/mo
Today · 4.125%
HK$74,079
baseline
▲ 0.50% · 4.625%
HK$77,984
+HK$3,905/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,158/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,198 · Scale 2, in force from 26 Feb 2026)