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$35,080
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,171
−HK$1,109/mo
Today · 4.125%
HK$37,280
baseline
▲ 0.50% · 4.625%
HK$39,548
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,560/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,026
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,073
−HK$1,062/mo
Today · 4.125%
HK$41,135
baseline
▲ 0.50% · 4.625%
HK$43,303
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,270/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,096
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,406
−HK$1,330/mo
Today · 4.125%
HK$44,736
baseline
▲ 0.50% · 4.625%
HK$47,458
+HK$2,722/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,472/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,832
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,088
−HK$1,274/mo
Today · 4.125%
HK$49,362
baseline
▲ 0.50% · 4.625%
HK$51,964
+HK$2,602/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,724/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,112
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,640
−HK$1,552/mo
Today · 4.125%
HK$52,192
baseline
▲ 0.50% · 4.625%
HK$55,368
+HK$3,176/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,384/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,637
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,102
−HK$1,487/mo
Today · 4.125%
HK$57,589
baseline
▲ 0.50% · 4.625%
HK$60,624
+HK$3,035/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,178/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,144
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,108
−HK$1,996/mo
Today · 4.125%
HK$67,104
baseline
▲ 0.50% · 4.625%
HK$71,187
+HK$4,083/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,208/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,247
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,131
−HK$1,912/mo
Today · 4.125%
HK$74,043
baseline
▲ 0.50% · 4.625%
HK$77,945
+HK$3,902/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,086/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,911 · Scale 2, in force from 26 Feb 2026)