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$35,119
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,212
−HK$1,110/mo
Today · 4.125%
HK$37,322
baseline
▲ 0.50% · 4.625%
HK$39,593
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,644/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,070
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,118
−HK$1,063/mo
Today · 4.125%
HK$41,181
baseline
▲ 0.50% · 4.625%
HK$43,351
+HK$2,170/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,362/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,143
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,454
−HK$1,332/mo
Today · 4.125%
HK$44,786
baseline
▲ 0.50% · 4.625%
HK$47,511
+HK$2,725/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,572/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,884
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,141
−HK$1,276/mo
Today · 4.125%
HK$49,417
baseline
▲ 0.50% · 4.625%
HK$52,022
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,834/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,167
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,696
−HK$1,554/mo
Today · 4.125%
HK$52,250
baseline
▲ 0.50% · 4.625%
HK$55,430
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,500/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,698
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,165
−HK$1,488/mo
Today · 4.125%
HK$57,653
baseline
▲ 0.50% · 4.625%
HK$60,692
+HK$3,039/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,306/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,215
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,181
−HK$1,998/mo
Today · 4.125%
HK$67,179
baseline
▲ 0.50% · 4.625%
HK$71,267
+HK$4,088/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,358/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,326
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,212
−HK$1,913/mo
Today · 4.125%
HK$74,125
baseline
▲ 0.50% · 4.625%
HK$78,033
+HK$3,908/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,250/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,556 · Scale 2, in force from 26 Feb 2026)