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$35,097
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,189
−HK$1,109/mo
Today · 4.125%
HK$37,298
baseline
▲ 0.50% · 4.625%
HK$39,567
+HK$2,269/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,596/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,045
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,092
−HK$1,063/mo
Today · 4.125%
HK$41,155
baseline
▲ 0.50% · 4.625%
HK$43,324
+HK$2,169/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$577,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,116
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,426
−HK$1,332/mo
Today · 4.125%
HK$44,758
baseline
▲ 0.50% · 4.625%
HK$47,481
+HK$2,723/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$577,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,854
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,111
−HK$1,274/mo
Today · 4.125%
HK$49,385
baseline
▲ 0.50% · 4.625%
HK$51,989
+HK$2,604/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,770/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,136
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,664
−HK$1,553/mo
Today · 4.125%
HK$52,217
baseline
▲ 0.50% · 4.625%
HK$55,394
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,434/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,663
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,129
−HK$1,487/mo
Today · 4.125%
HK$57,616
baseline
▲ 0.50% · 4.625%
HK$60,653
+HK$3,037/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,232/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,175
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,140
−HK$1,996/mo
Today · 4.125%
HK$67,136
baseline
▲ 0.50% · 4.625%
HK$71,221
+HK$4,085/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,272/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,281
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,166
−HK$1,912/mo
Today · 4.125%
HK$74,078
baseline
▲ 0.50% · 4.625%
HK$77,983
+HK$3,905/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,156/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,189 · Scale 2, in force from 26 Feb 2026)