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$2,200/mo
▼ 0.25% · 3.875%
HK$36,183
−HK$1,109/mo
Today · 4.125%
HK$37,292
baseline
▲ 0.50% · 4.625%
HK$39,562
+HK$2,270/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,584/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,039
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,086
−HK$1,062/mo
Today · 4.125%
HK$41,148
baseline
▲ 0.50% · 4.625%
HK$43,317
+HK$2,169/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,296/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,110
−HK$2,641/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$577,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,847
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,104
−HK$1,274/mo
Today · 4.125%
HK$49,378
baseline
▲ 0.50% · 4.625%
HK$51,981
+HK$2,603/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$98,756/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,129
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,657
−HK$1,552/mo
Today · 4.125%
HK$52,209
baseline
▲ 0.50% · 4.625%
HK$55,386
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,418/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,655
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,121
−HK$1,487/mo
Today · 4.125%
HK$57,608
baseline
▲ 0.50% · 4.625%
HK$60,644
+HK$3,036/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$577,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,165
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,130
−HK$1,996/mo
Today · 4.125%
HK$67,126
baseline
▲ 0.50% · 4.625%
HK$71,211
+HK$4,085/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,252/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,271
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,155
−HK$1,912/mo
Today · 4.125%
HK$74,067
baseline
▲ 0.50% · 4.625%
HK$77,971
+HK$3,904/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,134/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,103 · Scale 2, in force from 26 Feb 2026)