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$35,146
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,239
−HK$1,111/mo
Today · 4.125%
HK$37,350
baseline
▲ 0.50% · 4.625%
HK$39,623
+HK$2,273/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,700/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,100
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,148
−HK$1,064/mo
Today · 4.125%
HK$41,212
baseline
▲ 0.50% · 4.625%
HK$43,385
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,424/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,175
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,487
−HK$1,333/mo
Today · 4.125%
HK$44,820
baseline
▲ 0.50% · 4.625%
HK$47,547
+HK$2,727/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,640/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,920
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,178
−HK$1,277/mo
Today · 4.125%
HK$49,455
baseline
▲ 0.50% · 4.625%
HK$52,062
+HK$2,607/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,910/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,205
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,735
−HK$1,555/mo
Today · 4.125%
HK$52,290
baseline
▲ 0.50% · 4.625%
HK$55,472
+HK$3,182/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,580/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,740
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,208
−HK$1,489/mo
Today · 4.125%
HK$57,697
baseline
▲ 0.50% · 4.625%
HK$60,738
+HK$3,041/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,394/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,263
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,231
−HK$1,999/mo
Today · 4.125%
HK$67,230
baseline
▲ 0.50% · 4.625%
HK$71,321
+HK$4,091/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,460/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,380
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,267
−HK$1,915/mo
Today · 4.125%
HK$74,182
baseline
▲ 0.50% · 4.625%
HK$78,092
+HK$3,910/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,364/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,998 · Scale 2, in force from 26 Feb 2026)