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$35,048
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,138
−HK$1,108/mo
Today · 4.125%
HK$37,246
baseline
▲ 0.50% · 4.625%
HK$39,512
+HK$2,266/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,492/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,990
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,036
−HK$1,061/mo
Today · 4.125%
HK$41,097
baseline
▲ 0.50% · 4.625%
HK$43,263
+HK$2,166/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,194/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,057
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,366
−HK$1,329/mo
Today · 4.125%
HK$44,695
baseline
▲ 0.50% · 4.625%
HK$47,414
+HK$2,719/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,390/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,788
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,043
−HK$1,273/mo
Today · 4.125%
HK$49,316
baseline
▲ 0.50% · 4.625%
HK$51,916
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,632/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,067
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,593
−HK$1,551/mo
Today · 4.125%
HK$52,144
baseline
▲ 0.50% · 4.625%
HK$55,317
+HK$3,173/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,288/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,586
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,050
−HK$1,486/mo
Today · 4.125%
HK$57,536
baseline
▲ 0.50% · 4.625%
HK$60,568
+HK$3,032/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,072/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,086
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,048
−HK$1,994/mo
Today · 4.125%
HK$67,042
baseline
▲ 0.50% · 4.625%
HK$71,121
+HK$4,079/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,084/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,182
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,065
−HK$1,909/mo
Today · 4.125%
HK$73,974
baseline
▲ 0.50% · 4.625%
HK$77,874
+HK$3,900/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,948/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,379 · Scale 2, in force from 26 Feb 2026)