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$35,098
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,190
−HK$1,109/mo
Today · 4.125%
HK$37,299
baseline
▲ 0.50% · 4.625%
HK$39,569
+HK$2,270/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,598/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,046
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,094
−HK$1,062/mo
Today · 4.125%
HK$41,156
baseline
▲ 0.50% · 4.625%
HK$43,325
+HK$2,169/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,312/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,118
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,428
−HK$1,331/mo
Today · 4.125%
HK$44,759
baseline
▲ 0.50% · 4.625%
HK$47,482
+HK$2,723/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,518/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,856
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,112
−HK$1,275/mo
Today · 4.125%
HK$49,387
baseline
▲ 0.50% · 4.625%
HK$51,990
+HK$2,603/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,774/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,137
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,666
−HK$1,553/mo
Today · 4.125%
HK$52,219
baseline
▲ 0.50% · 4.625%
HK$55,396
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,438/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,665
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,131
−HK$1,487/mo
Today · 4.125%
HK$57,618
baseline
▲ 0.50% · 4.625%
HK$60,655
+HK$3,037/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,236/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,177
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,142
−HK$1,996/mo
Today · 4.125%
HK$67,138
baseline
▲ 0.50% · 4.625%
HK$71,224
+HK$4,086/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,276/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,283
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,168
−HK$1,913/mo
Today · 4.125%
HK$74,081
baseline
▲ 0.50% · 4.625%
HK$77,986
+HK$3,905/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,162/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,208 · Scale 2, in force from 26 Feb 2026)