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$35,124
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,217
−HK$1,110/mo
Today · 4.125%
HK$37,327
baseline
▲ 0.50% · 4.625%
HK$39,598
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,654/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,075
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,123
−HK$1,063/mo
Today · 4.125%
HK$41,186
baseline
▲ 0.50% · 4.625%
HK$43,357
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,372/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,149
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,460
−HK$1,332/mo
Today · 4.125%
HK$44,792
baseline
▲ 0.50% · 4.625%
HK$47,518
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,584/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,890
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,148
−HK$1,276/mo
Today · 4.125%
HK$49,424
baseline
▲ 0.50% · 4.625%
HK$52,029
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,848/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,174
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,703
−HK$1,554/mo
Today · 4.125%
HK$52,257
baseline
▲ 0.50% · 4.625%
HK$55,437
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,514/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,705
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,173
−HK$1,488/mo
Today · 4.125%
HK$57,661
baseline
▲ 0.50% · 4.625%
HK$60,700
+HK$3,039/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,322/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,223
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,190
−HK$1,998/mo
Today · 4.125%
HK$67,188
baseline
▲ 0.50% · 4.625%
HK$71,276
+HK$4,088/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,376/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,335
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,222
−HK$1,913/mo
Today · 4.125%
HK$74,135
baseline
▲ 0.50% · 4.625%
HK$78,043
+HK$3,908/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,270/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,635 · Scale 2, in force from 26 Feb 2026)