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$35,145
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,238
−HK$1,111/mo
Today · 4.125%
HK$37,349
baseline
▲ 0.50% · 4.625%
HK$39,621
+HK$2,272/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,698/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,098
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,147
−HK$1,063/mo
Today · 4.125%
HK$41,210
baseline
▲ 0.50% · 4.625%
HK$43,383
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,420/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,174
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,485
−HK$1,333/mo
Today · 4.125%
HK$44,818
baseline
▲ 0.50% · 4.625%
HK$47,545
+HK$2,727/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,636/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,918
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,176
−HK$1,277/mo
Today · 4.125%
HK$49,453
baseline
▲ 0.50% · 4.625%
HK$52,059
+HK$2,606/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,906/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,203
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,733
−HK$1,555/mo
Today · 4.125%
HK$52,288
baseline
▲ 0.50% · 4.625%
HK$55,470
+HK$3,182/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,576/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,737
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,205
−HK$1,490/mo
Today · 4.125%
HK$57,695
baseline
▲ 0.50% · 4.625%
HK$60,736
+HK$3,041/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,390/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,260
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,228
−HK$1,999/mo
Today · 4.125%
HK$67,227
baseline
▲ 0.50% · 4.625%
HK$71,318
+HK$4,091/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,454/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,377
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,264
−HK$1,915/mo
Today · 4.125%
HK$74,179
baseline
▲ 0.50% · 4.625%
HK$78,089
+HK$3,910/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,358/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,973 · Scale 2, in force from 26 Feb 2026)