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$35,069
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,160
−HK$1,108/mo
Today · 4.125%
HK$37,268
baseline
▲ 0.50% · 4.625%
HK$39,535
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,536/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,014
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,060
−HK$1,061/mo
Today · 4.125%
HK$41,121
baseline
▲ 0.50% · 4.625%
HK$43,289
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,242/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,082
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,391
−HK$1,330/mo
Today · 4.125%
HK$44,721
baseline
▲ 0.50% · 4.625%
HK$47,443
+HK$2,722/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,442/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,816
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,072
−HK$1,274/mo
Today · 4.125%
HK$49,346
baseline
▲ 0.50% · 4.625%
HK$51,947
+HK$2,601/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,692/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,096
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,623
−HK$1,552/mo
Today · 4.125%
HK$52,175
baseline
▲ 0.50% · 4.625%
HK$55,350
+HK$3,175/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$104,350/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,619
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,084
−HK$1,486/mo
Today · 4.125%
HK$57,570
baseline
▲ 0.50% · 4.625%
HK$60,604
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$115,140/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,124
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,087
−HK$1,995/mo
Today · 4.125%
HK$67,082
baseline
▲ 0.50% · 4.625%
HK$71,164
+HK$4,082/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,164/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,224
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,108
−HK$1,910/mo
Today · 4.125%
HK$74,018
baseline
▲ 0.50% · 4.625%
HK$77,920
+HK$3,902/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,036/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,723 · Scale 2, in force from 26 Feb 2026)