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$35,162
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,256
−HK$1,111/mo
Today · 4.125%
HK$37,367
baseline
▲ 0.50% · 4.625%
HK$39,641
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,734/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,118
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,167
−HK$1,064/mo
Today · 4.125%
HK$41,231
baseline
▲ 0.50% · 4.625%
HK$43,404
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,462/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,195
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,507
−HK$1,334/mo
Today · 4.125%
HK$44,841
baseline
▲ 0.50% · 4.625%
HK$47,569
+HK$2,728/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,682/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,941
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,200
−HK$1,277/mo
Today · 4.125%
HK$49,477
baseline
▲ 0.50% · 4.625%
HK$52,085
+HK$2,608/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,954/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,227
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,758
−HK$1,556/mo
Today · 4.125%
HK$52,314
baseline
▲ 0.50% · 4.625%
HK$55,497
+HK$3,183/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$104,628/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,765
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,233
−HK$1,490/mo
Today · 4.125%
HK$57,723
baseline
▲ 0.50% · 4.625%
HK$60,766
+HK$3,043/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$115,446/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,292
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,261
−HK$2,000/mo
Today · 4.125%
HK$67,261
baseline
▲ 0.50% · 4.625%
HK$71,354
+HK$4,093/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,522/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,412
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,300
−HK$1,916/mo
Today · 4.125%
HK$74,216
baseline
▲ 0.50% · 4.625%
HK$78,128
+HK$3,912/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,432/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,260 · Scale 2, in force from 26 Feb 2026)