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$2,198/mo
▼ 0.25% · 3.875%
HK$36,147
−HK$1,108/mo
Today · 4.125%
HK$37,255
baseline
▲ 0.50% · 4.625%
HK$39,522
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,510/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,000
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,046
−HK$1,061/mo
Today · 4.125%
HK$41,107
baseline
▲ 0.50% · 4.625%
HK$43,274
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,214/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,068
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,377
−HK$1,329/mo
Today · 4.125%
HK$44,706
baseline
▲ 0.50% · 4.625%
HK$47,427
+HK$2,721/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,412/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,800
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,056
−HK$1,273/mo
Today · 4.125%
HK$49,329
baseline
▲ 0.50% · 4.625%
HK$51,929
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,658/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,080
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,606
−HK$1,551/mo
Today · 4.125%
HK$52,157
baseline
▲ 0.50% · 4.625%
HK$55,331
+HK$3,174/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,314/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,601
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,065
−HK$1,485/mo
Today · 4.125%
HK$57,550
baseline
▲ 0.50% · 4.625%
HK$60,584
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,100/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,102
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,065
−HK$1,994/mo
Today · 4.125%
HK$67,059
baseline
▲ 0.50% · 4.625%
HK$71,140
+HK$4,081/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,118/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,201
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,083
−HK$1,910/mo
Today · 4.125%
HK$73,993
baseline
▲ 0.50% · 4.625%
HK$77,894
+HK$3,901/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$147,986/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,528 · Scale 2, in force from 26 Feb 2026)