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$35,117
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,210
−HK$1,109/mo
Today · 4.125%
HK$37,319
baseline
▲ 0.50% · 4.625%
HK$39,590
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,638/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,068
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,115
−HK$1,063/mo
Today · 4.125%
HK$41,178
baseline
▲ 0.50% · 4.625%
HK$43,349
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,356/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,141
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,452
−HK$1,331/mo
Today · 4.125%
HK$44,783
baseline
▲ 0.50% · 4.625%
HK$47,508
+HK$2,725/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,566/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,881
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,138
−HK$1,276/mo
Today · 4.125%
HK$49,414
baseline
▲ 0.50% · 4.625%
HK$52,019
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,828/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,164
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,693
−HK$1,554/mo
Today · 4.125%
HK$52,247
baseline
▲ 0.50% · 4.625%
HK$55,426
+HK$3,179/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,494/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,695
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,162
−HK$1,488/mo
Today · 4.125%
HK$57,650
baseline
▲ 0.50% · 4.625%
HK$60,688
+HK$3,038/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,300/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,211
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,177
−HK$1,998/mo
Today · 4.125%
HK$67,175
baseline
▲ 0.50% · 4.625%
HK$71,262
+HK$4,087/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,350/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,322
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,208
−HK$1,913/mo
Today · 4.125%
HK$74,121
baseline
▲ 0.50% · 4.625%
HK$78,028
+HK$3,907/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,242/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,522 · Scale 2, in force from 26 Feb 2026)