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$35,060
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,151
−HK$1,108/mo
Today · 4.125%
HK$37,259
baseline
▲ 0.50% · 4.625%
HK$39,526
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,518/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,004
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,050
−HK$1,061/mo
Today · 4.125%
HK$41,111
baseline
▲ 0.50% · 4.625%
HK$43,279
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,222/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,072
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,381
−HK$1,330/mo
Today · 4.125%
HK$44,711
baseline
▲ 0.50% · 4.625%
HK$47,431
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,422/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,805
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,060
−HK$1,274/mo
Today · 4.125%
HK$49,334
baseline
▲ 0.50% · 4.625%
HK$51,934
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,668/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,084
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,611
−HK$1,551/mo
Today · 4.125%
HK$52,162
baseline
▲ 0.50% · 4.625%
HK$55,336
+HK$3,174/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,324/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,606
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,070
−HK$1,486/mo
Today · 4.125%
HK$57,556
baseline
▲ 0.50% · 4.625%
HK$60,590
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,112/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,108
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,072
−HK$1,994/mo
Today · 4.125%
HK$67,066
baseline
▲ 0.50% · 4.625%
HK$71,147
+HK$4,081/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,132/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,208
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,090
−HK$1,911/mo
Today · 4.125%
HK$74,001
baseline
▲ 0.50% · 4.625%
HK$77,901
+HK$3,900/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,002/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,585 · Scale 2, in force from 26 Feb 2026)