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$35,067
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,158
−HK$1,108/mo
Today · 4.125%
HK$37,266
baseline
▲ 0.50% · 4.625%
HK$39,534
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,532/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,012
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,058
−HK$1,062/mo
Today · 4.125%
HK$41,120
baseline
▲ 0.50% · 4.625%
HK$43,287
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,240/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,081
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,390
−HK$1,330/mo
Today · 4.125%
HK$44,720
baseline
▲ 0.50% · 4.625%
HK$47,441
+HK$2,721/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,440/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,814
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,070
−HK$1,274/mo
Today · 4.125%
HK$49,344
baseline
▲ 0.50% · 4.625%
HK$51,945
+HK$2,601/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,688/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,094
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,621
−HK$1,552/mo
Today · 4.125%
HK$52,173
baseline
▲ 0.50% · 4.625%
HK$55,347
+HK$3,174/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$104,346/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,617
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,082
−HK$1,486/mo
Today · 4.125%
HK$57,568
baseline
▲ 0.50% · 4.625%
HK$60,602
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$115,136/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,121
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,084
−HK$1,995/mo
Today · 4.125%
HK$67,079
baseline
▲ 0.50% · 4.625%
HK$71,161
+HK$4,082/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,158/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,222
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,105
−HK$1,910/mo
Today · 4.125%
HK$74,015
baseline
▲ 0.50% · 4.625%
HK$77,917
+HK$3,902/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,030/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,699 · Scale 2, in force from 26 Feb 2026)