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$35,130
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,222
−HK$1,110/mo
Today · 4.125%
HK$37,332
baseline
▲ 0.50% · 4.625%
HK$39,604
+HK$2,272/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,664/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,081
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,129
−HK$1,064/mo
Today · 4.125%
HK$41,193
baseline
▲ 0.50% · 4.625%
HK$43,364
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,386/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,155
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,467
−HK$1,332/mo
Today · 4.125%
HK$44,799
baseline
▲ 0.50% · 4.625%
HK$47,525
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,598/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,897
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,155
−HK$1,276/mo
Today · 4.125%
HK$49,431
baseline
▲ 0.50% · 4.625%
HK$52,037
+HK$2,606/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,862/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,181
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,711
−HK$1,554/mo
Today · 4.125%
HK$52,265
baseline
▲ 0.50% · 4.625%
HK$55,446
+HK$3,181/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,530/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,714
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,181
−HK$1,489/mo
Today · 4.125%
HK$57,670
baseline
▲ 0.50% · 4.625%
HK$60,710
+HK$3,040/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,340/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,233
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,200
−HK$1,998/mo
Today · 4.125%
HK$67,198
baseline
▲ 0.50% · 4.625%
HK$71,287
+HK$4,089/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,396/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,346
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,233
−HK$1,914/mo
Today · 4.125%
HK$74,147
baseline
▲ 0.50% · 4.625%
HK$78,055
+HK$3,908/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,294/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,724 · Scale 2, in force from 26 Feb 2026)