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$35,079
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,170
−HK$1,109/mo
Today · 4.125%
HK$37,279
baseline
▲ 0.50% · 4.625%
HK$39,547
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,558/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,025
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,072
−HK$1,061/mo
Today · 4.125%
HK$41,133
baseline
▲ 0.50% · 4.625%
HK$43,302
+HK$2,169/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,266/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,095
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,404
−HK$1,331/mo
Today · 4.125%
HK$44,735
baseline
▲ 0.50% · 4.625%
HK$47,457
+HK$2,722/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,470/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,830
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,086
−HK$1,274/mo
Today · 4.125%
HK$49,360
baseline
▲ 0.50% · 4.625%
HK$51,962
+HK$2,602/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,720/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,111
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,638
−HK$1,552/mo
Today · 4.125%
HK$52,190
baseline
▲ 0.50% · 4.625%
HK$55,366
+HK$3,176/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,380/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,635
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,100
−HK$1,487/mo
Today · 4.125%
HK$57,587
baseline
▲ 0.50% · 4.625%
HK$60,622
+HK$3,035/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,174/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,142
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,106
−HK$1,996/mo
Today · 4.125%
HK$67,102
baseline
▲ 0.50% · 4.625%
HK$71,185
+HK$4,083/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,204/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,245
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,129
−HK$1,911/mo
Today · 4.125%
HK$74,040
baseline
▲ 0.50% · 4.625%
HK$77,943
+HK$3,903/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,080/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,893 · Scale 2, in force from 26 Feb 2026)