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$35,077
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,168
−HK$1,108/mo
Today · 4.125%
HK$37,276
baseline
▲ 0.50% · 4.625%
HK$39,545
+HK$2,269/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,552/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,023
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,069
−HK$1,062/mo
Today · 4.125%
HK$41,131
baseline
▲ 0.50% · 4.625%
HK$43,299
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,262/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,092
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,401
−HK$1,331/mo
Today · 4.125%
HK$44,732
baseline
▲ 0.50% · 4.625%
HK$47,453
+HK$2,721/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,464/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,827
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,083
−HK$1,274/mo
Today · 4.125%
HK$49,357
baseline
▲ 0.50% · 4.625%
HK$51,959
+HK$2,602/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,714/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,107
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,635
−HK$1,552/mo
Today · 4.125%
HK$52,187
baseline
▲ 0.50% · 4.625%
HK$55,362
+HK$3,175/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$104,374/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,632
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,097
−HK$1,486/mo
Today · 4.125%
HK$57,583
baseline
▲ 0.50% · 4.625%
HK$60,618
+HK$3,035/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$115,166/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,138
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,102
−HK$1,995/mo
Today · 4.125%
HK$67,097
baseline
▲ 0.50% · 4.625%
HK$71,180
+HK$4,083/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,194/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,241
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,124
−HK$1,911/mo
Today · 4.125%
HK$74,035
baseline
▲ 0.50% · 4.625%
HK$77,938
+HK$3,903/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,070/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,855 · Scale 2, in force from 26 Feb 2026)