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$35,112
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,204
−HK$1,110/mo
Today · 4.125%
HK$37,314
baseline
▲ 0.50% · 4.625%
HK$39,584
+HK$2,270/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,628/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,062
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,109
−HK$1,063/mo
Today · 4.125%
HK$41,172
baseline
▲ 0.50% · 4.625%
HK$43,342
+HK$2,170/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,344/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,134
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,445
−HK$1,331/mo
Today · 4.125%
HK$44,776
baseline
▲ 0.50% · 4.625%
HK$47,501
+HK$2,725/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,552/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,874
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,131
−HK$1,275/mo
Today · 4.125%
HK$49,406
baseline
▲ 0.50% · 4.625%
HK$52,011
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,812/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,157
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,686
−HK$1,553/mo
Today · 4.125%
HK$52,239
baseline
▲ 0.50% · 4.625%
HK$55,418
+HK$3,179/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,478/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,686
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,153
−HK$1,488/mo
Today · 4.125%
HK$57,641
baseline
▲ 0.50% · 4.625%
HK$60,679
+HK$3,038/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,282/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,201
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,167
−HK$1,998/mo
Today · 4.125%
HK$67,165
baseline
▲ 0.50% · 4.625%
HK$71,251
+HK$4,086/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,330/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,311
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,196
−HK$1,913/mo
Today · 4.125%
HK$74,109
baseline
▲ 0.50% · 4.625%
HK$78,016
+HK$3,907/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,218/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,432 · Scale 2, in force from 26 Feb 2026)