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$35,156
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,250
−HK$1,111/mo
Today · 4.125%
HK$37,361
baseline
▲ 0.50% · 4.625%
HK$39,634
+HK$2,273/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,722/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,111
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,160
−HK$1,064/mo
Today · 4.125%
HK$41,224
baseline
▲ 0.50% · 4.625%
HK$43,397
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,448/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,187
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,500
−HK$1,333/mo
Today · 4.125%
HK$44,833
baseline
▲ 0.50% · 4.625%
HK$47,561
+HK$2,728/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,666/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,933
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,192
−HK$1,277/mo
Today · 4.125%
HK$49,469
baseline
▲ 0.50% · 4.625%
HK$52,076
+HK$2,607/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,938/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,219
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,750
−HK$1,555/mo
Today · 4.125%
HK$52,305
baseline
▲ 0.50% · 4.625%
HK$55,488
+HK$3,183/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$104,610/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,755
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,224
−HK$1,490/mo
Today · 4.125%
HK$57,714
baseline
▲ 0.50% · 4.625%
HK$60,756
+HK$3,042/mo
Deposit HK$4.63M · loan HK$10.79M · min. income ≈ HK$115,428/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,281
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,250
−HK$1,999/mo
Today · 4.125%
HK$67,249
baseline
▲ 0.50% · 4.625%
HK$71,341
+HK$4,092/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,498/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,400
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,288
−HK$1,915/mo
Today · 4.125%
HK$74,203
baseline
▲ 0.50% · 4.625%
HK$78,114
+HK$3,911/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,406/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,162 · Scale 2, in force from 26 Feb 2026)