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$35,092
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,184
−HK$1,109/mo
Today · 4.125%
HK$37,293
baseline
▲ 0.50% · 4.625%
HK$39,562
+HK$2,269/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,586/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,040
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,087
−HK$1,062/mo
Today · 4.125%
HK$41,149
baseline
▲ 0.50% · 4.625%
HK$43,318
+HK$2,169/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,298/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,111
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,420
−HK$1,331/mo
Today · 4.125%
HK$44,751
baseline
▲ 0.50% · 4.625%
HK$47,474
+HK$2,723/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$89,502/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,848
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,104
−HK$1,275/mo
Today · 4.125%
HK$49,379
baseline
▲ 0.50% · 4.625%
HK$51,981
+HK$2,602/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$98,758/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,129
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,657
−HK$1,553/mo
Today · 4.125%
HK$52,210
baseline
▲ 0.50% · 4.625%
HK$55,387
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,420/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,656
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,121
−HK$1,487/mo
Today · 4.125%
HK$57,608
baseline
▲ 0.50% · 4.625%
HK$60,645
+HK$3,037/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,216/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,166
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,131
−HK$1,996/mo
Today · 4.125%
HK$67,127
baseline
▲ 0.50% · 4.625%
HK$71,211
+HK$4,084/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,254/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,271
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,156
−HK$1,912/mo
Today · 4.125%
HK$74,068
baseline
▲ 0.50% · 4.625%
HK$77,972
+HK$3,904/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,136/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,109 · Scale 2, in force from 26 Feb 2026)