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$35,081
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,172
−HK$1,109/mo
Today · 4.125%
HK$37,281
baseline
▲ 0.50% · 4.625%
HK$39,549
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,562/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,027
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,074
−HK$1,062/mo
Today · 4.125%
HK$41,136
baseline
▲ 0.50% · 4.625%
HK$43,304
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,272/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,097
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,406
−HK$1,331/mo
Today · 4.125%
HK$44,737
baseline
▲ 0.50% · 4.625%
HK$47,459
+HK$2,722/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,474/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,832
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,089
−HK$1,274/mo
Today · 4.125%
HK$49,363
baseline
▲ 0.50% · 4.625%
HK$51,965
+HK$2,602/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,726/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,113
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,641
−HK$1,552/mo
Today · 4.125%
HK$52,193
baseline
▲ 0.50% · 4.625%
HK$55,369
+HK$3,176/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,386/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,638
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,103
−HK$1,487/mo
Today · 4.125%
HK$57,590
baseline
▲ 0.50% · 4.625%
HK$60,625
+HK$3,035/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,180/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,146
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,110
−HK$1,995/mo
Today · 4.125%
HK$67,105
baseline
▲ 0.50% · 4.625%
HK$71,188
+HK$4,083/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,210/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,249
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,133
−HK$1,911/mo
Today · 4.125%
HK$74,044
baseline
▲ 0.50% · 4.625%
HK$77,947
+HK$3,903/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,088/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,923 · Scale 2, in force from 26 Feb 2026)