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$35,085
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,176
−HK$1,109/mo
Today · 4.125%
HK$37,285
baseline
▲ 0.50% · 4.625%
HK$39,554
+HK$2,269/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,570/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,031
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,078
−HK$1,062/mo
Today · 4.125%
HK$41,140
baseline
▲ 0.50% · 4.625%
HK$43,309
+HK$2,169/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,280/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,102
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,411
−HK$1,331/mo
Today · 4.125%
HK$44,742
baseline
▲ 0.50% · 4.625%
HK$47,464
+HK$2,722/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,484/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,838
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,094
−HK$1,274/mo
Today · 4.125%
HK$49,368
baseline
▲ 0.50% · 4.625%
HK$51,970
+HK$2,602/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,736/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,119
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,646
−HK$1,553/mo
Today · 4.125%
HK$52,199
baseline
▲ 0.50% · 4.625%
HK$55,375
+HK$3,176/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,398/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,644
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,109
−HK$1,487/mo
Today · 4.125%
HK$57,596
baseline
▲ 0.50% · 4.625%
HK$60,632
+HK$3,036/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,192/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,153
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,117
−HK$1,996/mo
Today · 4.125%
HK$67,113
baseline
▲ 0.50% · 4.625%
HK$71,196
+HK$4,083/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,226/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,257
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,141
−HK$1,911/mo
Today · 4.125%
HK$74,052
baseline
▲ 0.50% · 4.625%
HK$77,956
+HK$3,904/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,104/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,987 · Scale 2, in force from 26 Feb 2026)