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$35,114
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,206
−HK$1,110/mo
Today · 4.125%
HK$37,316
baseline
▲ 0.50% · 4.625%
HK$39,587
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,632/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,064
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,112
−HK$1,063/mo
Today · 4.125%
HK$41,175
baseline
▲ 0.50% · 4.625%
HK$43,345
+HK$2,170/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,350/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,137
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,448
−HK$1,331/mo
Today · 4.125%
HK$44,779
baseline
▲ 0.50% · 4.625%
HK$47,504
+HK$2,725/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,558/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,877
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,134
−HK$1,276/mo
Today · 4.125%
HK$49,410
baseline
▲ 0.50% · 4.625%
HK$52,014
+HK$2,604/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,820/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,160
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,689
−HK$1,553/mo
Today · 4.125%
HK$52,242
baseline
▲ 0.50% · 4.625%
HK$55,421
+HK$3,179/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,484/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,690
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,156
−HK$1,488/mo
Today · 4.125%
HK$57,644
baseline
▲ 0.50% · 4.625%
HK$60,683
+HK$3,039/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,288/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,205
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,171
−HK$1,998/mo
Today · 4.125%
HK$67,169
baseline
▲ 0.50% · 4.625%
HK$71,256
+HK$4,087/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,338/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,315
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,201
−HK$1,913/mo
Today · 4.125%
HK$74,114
baseline
▲ 0.50% · 4.625%
HK$78,021
+HK$3,907/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,228/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,470 · Scale 2, in force from 26 Feb 2026)