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$35,113
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,206
−HK$1,109/mo
Today · 4.125%
HK$37,315
baseline
▲ 0.50% · 4.625%
HK$39,586
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,630/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,063
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,111
−HK$1,063/mo
Today · 4.125%
HK$41,174
baseline
▲ 0.50% · 4.625%
HK$43,344
+HK$2,170/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,348/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,136
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,447
−HK$1,331/mo
Today · 4.125%
HK$44,778
baseline
▲ 0.50% · 4.625%
HK$47,503
+HK$2,725/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,556/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,876
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,133
−HK$1,275/mo
Today · 4.125%
HK$49,408
baseline
▲ 0.50% · 4.625%
HK$52,013
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,816/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,159
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,688
−HK$1,553/mo
Today · 4.125%
HK$52,241
baseline
▲ 0.50% · 4.625%
HK$55,420
+HK$3,179/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,482/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,689
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,155
−HK$1,488/mo
Today · 4.125%
HK$57,643
baseline
▲ 0.50% · 4.625%
HK$60,682
+HK$3,039/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,286/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,204
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,170
−HK$1,997/mo
Today · 4.125%
HK$67,167
baseline
▲ 0.50% · 4.625%
HK$71,254
+HK$4,087/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,334/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,314
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,200
−HK$1,913/mo
Today · 4.125%
HK$74,113
baseline
▲ 0.50% · 4.625%
HK$78,019
+HK$3,906/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,226/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,458 · Scale 2, in force from 26 Feb 2026)