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$35,057
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,148
−HK$1,108/mo
Today · 4.125%
HK$37,256
baseline
▲ 0.50% · 4.625%
HK$39,523
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,512/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,001
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,047
−HK$1,061/mo
Today · 4.125%
HK$41,108
baseline
▲ 0.50% · 4.625%
HK$43,275
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,216/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,069
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,378
−HK$1,329/mo
Today · 4.125%
HK$44,707
baseline
▲ 0.50% · 4.625%
HK$47,427
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,414/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,801
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,056
−HK$1,274/mo
Today · 4.125%
HK$49,330
baseline
▲ 0.50% · 4.625%
HK$51,930
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,660/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,080
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,607
−HK$1,551/mo
Today · 4.125%
HK$52,158
baseline
▲ 0.50% · 4.625%
HK$55,332
+HK$3,174/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,316/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,601
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,066
−HK$1,485/mo
Today · 4.125%
HK$57,551
baseline
▲ 0.50% · 4.625%
HK$60,585
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,102/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,103
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,066
−HK$1,995/mo
Today · 4.125%
HK$67,061
baseline
▲ 0.50% · 4.625%
HK$71,141
+HK$4,080/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,122/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,202
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,085
−HK$1,910/mo
Today · 4.125%
HK$73,995
baseline
▲ 0.50% · 4.625%
HK$77,895
+HK$3,900/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$147,990/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,539 · Scale 2, in force from 26 Feb 2026)