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$35,090
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,181
−HK$1,109/mo
Today · 4.125%
HK$37,290
baseline
▲ 0.50% · 4.625%
HK$39,559
+HK$2,269/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,580/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,037
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,084
−HK$1,062/mo
Today · 4.125%
HK$41,146
baseline
▲ 0.50% · 4.625%
HK$43,315
+HK$2,169/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,292/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,107
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,417
−HK$1,331/mo
Today · 4.125%
HK$44,748
baseline
▲ 0.50% · 4.625%
HK$47,471
+HK$2,723/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$89,496/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,844
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,100
−HK$1,275/mo
Today · 4.125%
HK$49,375
baseline
▲ 0.50% · 4.625%
HK$51,978
+HK$2,603/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$98,750/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,125
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,653
−HK$1,553/mo
Today · 4.125%
HK$52,206
baseline
▲ 0.50% · 4.625%
HK$55,383
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,412/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,652
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,117
−HK$1,487/mo
Today · 4.125%
HK$57,604
baseline
▲ 0.50% · 4.625%
HK$60,641
+HK$3,037/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,208/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,161
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,126
−HK$1,996/mo
Today · 4.125%
HK$67,122
baseline
▲ 0.50% · 4.625%
HK$71,206
+HK$4,084/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,244/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,266
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,151
−HK$1,912/mo
Today · 4.125%
HK$74,063
baseline
▲ 0.50% · 4.625%
HK$77,966
+HK$3,903/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,126/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,067 · Scale 2, in force from 26 Feb 2026)