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$35,084
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,175
−HK$1,109/mo
Today · 4.125%
HK$37,284
baseline
▲ 0.50% · 4.625%
HK$39,552
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,568/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,030
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,077
−HK$1,062/mo
Today · 4.125%
HK$41,139
baseline
▲ 0.50% · 4.625%
HK$43,307
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,278/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,100
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,410
−HK$1,330/mo
Today · 4.125%
HK$44,740
baseline
▲ 0.50% · 4.625%
HK$47,463
+HK$2,723/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,480/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,836
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,092
−HK$1,275/mo
Today · 4.125%
HK$49,367
baseline
▲ 0.50% · 4.625%
HK$51,969
+HK$2,602/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,734/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,117
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,645
−HK$1,552/mo
Today · 4.125%
HK$52,197
baseline
▲ 0.50% · 4.625%
HK$55,373
+HK$3,176/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,394/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,642
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,108
−HK$1,486/mo
Today · 4.125%
HK$57,594
baseline
▲ 0.50% · 4.625%
HK$60,630
+HK$3,036/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,188/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,150
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,115
−HK$1,996/mo
Today · 4.125%
HK$67,111
baseline
▲ 0.50% · 4.625%
HK$71,194
+HK$4,083/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,222/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,254
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,138
−HK$1,912/mo
Today · 4.125%
HK$74,050
baseline
▲ 0.50% · 4.625%
HK$77,953
+HK$3,903/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,100/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,968 · Scale 2, in force from 26 Feb 2026)