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$35,076
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,167
−HK$1,108/mo
Today · 4.125%
HK$37,275
baseline
▲ 0.50% · 4.625%
HK$39,543
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,550/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,021
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,068
−HK$1,061/mo
Today · 4.125%
HK$41,129
baseline
▲ 0.50% · 4.625%
HK$43,297
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,258/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,091
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,400
−HK$1,330/mo
Today · 4.125%
HK$44,730
baseline
▲ 0.50% · 4.625%
HK$47,452
+HK$2,722/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,460/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,825
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,081
−HK$1,274/mo
Today · 4.125%
HK$49,355
baseline
▲ 0.50% · 4.625%
HK$51,957
+HK$2,602/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,710/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,106
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,633
−HK$1,552/mo
Today · 4.125%
HK$52,185
baseline
▲ 0.50% · 4.625%
HK$55,361
+HK$3,176/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$104,370/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,630
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,095
−HK$1,486/mo
Today · 4.125%
HK$57,581
baseline
▲ 0.50% · 4.625%
HK$60,616
+HK$3,035/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$115,162/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,136
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,100
−HK$1,995/mo
Today · 4.125%
HK$67,095
baseline
▲ 0.50% · 4.625%
HK$71,178
+HK$4,083/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,190/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,238
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,122
−HK$1,911/mo
Today · 4.125%
HK$74,033
baseline
▲ 0.50% · 4.625%
HK$77,935
+HK$3,902/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,066/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,837 · Scale 2, in force from 26 Feb 2026)