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$35,088
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,179
−HK$1,109/mo
Today · 4.125%
HK$37,288
baseline
▲ 0.50% · 4.625%
HK$39,557
+HK$2,269/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,576/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,035
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,082
−HK$1,062/mo
Today · 4.125%
HK$41,144
baseline
▲ 0.50% · 4.625%
HK$43,313
+HK$2,169/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,288/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,105
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,415
−HK$1,331/mo
Today · 4.125%
HK$44,746
baseline
▲ 0.50% · 4.625%
HK$47,468
+HK$2,722/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$89,492/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,842
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,098
−HK$1,275/mo
Today · 4.125%
HK$49,373
baseline
▲ 0.50% · 4.625%
HK$51,975
+HK$2,602/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$98,746/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,123
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,651
−HK$1,552/mo
Today · 4.125%
HK$52,203
baseline
▲ 0.50% · 4.625%
HK$55,380
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,406/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,649
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,114
−HK$1,487/mo
Today · 4.125%
HK$57,601
baseline
▲ 0.50% · 4.625%
HK$60,638
+HK$3,037/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,202/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,158
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,123
−HK$1,996/mo
Today · 4.125%
HK$67,119
baseline
▲ 0.50% · 4.625%
HK$71,203
+HK$4,084/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,238/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,263
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,147
−HK$1,912/mo
Today · 4.125%
HK$74,059
baseline
▲ 0.50% · 4.625%
HK$77,963
+HK$3,904/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,118/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,038 · Scale 2, in force from 26 Feb 2026)