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$35,128
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,221
−HK$1,110/mo
Today · 4.125%
HK$37,331
baseline
▲ 0.50% · 4.625%
HK$39,602
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,662/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,079
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,128
−HK$1,063/mo
Today · 4.125%
HK$41,191
baseline
▲ 0.50% · 4.625%
HK$43,362
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,382/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,154
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,465
−HK$1,332/mo
Today · 4.125%
HK$44,797
baseline
▲ 0.50% · 4.625%
HK$47,523
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,594/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,895
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,153
−HK$1,276/mo
Today · 4.125%
HK$49,429
baseline
▲ 0.50% · 4.625%
HK$52,034
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,858/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,179
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,709
−HK$1,554/mo
Today · 4.125%
HK$52,263
baseline
▲ 0.50% · 4.625%
HK$55,443
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,526/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,711
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,179
−HK$1,488/mo
Today · 4.125%
HK$57,667
baseline
▲ 0.50% · 4.625%
HK$60,707
+HK$3,040/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,334/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,230
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,197
−HK$1,998/mo
Today · 4.125%
HK$67,195
baseline
▲ 0.50% · 4.625%
HK$71,284
+HK$4,089/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,390/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,343
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,230
−HK$1,913/mo
Today · 4.125%
HK$74,143
baseline
▲ 0.50% · 4.625%
HK$78,052
+HK$3,909/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,286/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,697 · Scale 2, in force from 26 Feb 2026)