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$2,199/mo
▼ 0.25% · 3.875%
HK$36,171
−HK$1,108/mo
Today · 4.125%
HK$37,279
baseline
▲ 0.50% · 4.625%
HK$39,548
+HK$2,269/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,558/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,026
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,072
−HK$1,062/mo
Today · 4.125%
HK$41,134
baseline
▲ 0.50% · 4.625%
HK$43,302
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,268/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,096
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,405
−HK$1,330/mo
Today · 4.125%
HK$44,735
baseline
▲ 0.50% · 4.625%
HK$47,457
+HK$2,722/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,470/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,831
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,087
−HK$1,274/mo
Today · 4.125%
HK$49,361
baseline
▲ 0.50% · 4.625%
HK$51,963
+HK$2,602/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,722/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,111
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,639
−HK$1,552/mo
Today · 4.125%
HK$52,191
baseline
▲ 0.50% · 4.625%
HK$55,367
+HK$3,176/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,382/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,636
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,101
−HK$1,487/mo
Today · 4.125%
HK$57,588
baseline
▲ 0.50% · 4.625%
HK$60,623
+HK$3,035/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,176/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,143
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,107
−HK$1,996/mo
Today · 4.125%
HK$67,103
baseline
▲ 0.50% · 4.625%
HK$71,186
+HK$4,083/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,206/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,246
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,130
−HK$1,912/mo
Today · 4.125%
HK$74,042
baseline
▲ 0.50% · 4.625%
HK$77,944
+HK$3,902/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,084/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,903 · Scale 2, in force from 26 Feb 2026)