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$35,064
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,155
−HK$1,108/mo
Today · 4.125%
HK$37,263
baseline
▲ 0.50% · 4.625%
HK$39,530
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,526/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,008
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,054
−HK$1,062/mo
Today · 4.125%
HK$41,116
baseline
▲ 0.50% · 4.625%
HK$43,283
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,232/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,077
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,385
−HK$1,330/mo
Today · 4.125%
HK$44,715
baseline
▲ 0.50% · 4.625%
HK$47,436
+HK$2,721/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,430/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,810
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,065
−HK$1,274/mo
Today · 4.125%
HK$49,339
baseline
▲ 0.50% · 4.625%
HK$51,940
+HK$2,601/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,678/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,089
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,616
−HK$1,552/mo
Today · 4.125%
HK$52,168
baseline
▲ 0.50% · 4.625%
HK$55,342
+HK$3,174/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,336/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,611
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,076
−HK$1,486/mo
Today · 4.125%
HK$57,562
baseline
▲ 0.50% · 4.625%
HK$60,596
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,124/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,115
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,078
−HK$1,995/mo
Today · 4.125%
HK$67,073
baseline
▲ 0.50% · 4.625%
HK$71,154
+HK$4,081/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,146/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,215
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,098
−HK$1,910/mo
Today · 4.125%
HK$74,008
baseline
▲ 0.50% · 4.625%
HK$77,909
+HK$3,901/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,016/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,644 · Scale 2, in force from 26 Feb 2026)