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$35,118
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,210
−HK$1,110/mo
Today · 4.125%
HK$37,320
baseline
▲ 0.50% · 4.625%
HK$39,591
+HK$2,271/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,640/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,068
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,116
−HK$1,063/mo
Today · 4.125%
HK$41,179
baseline
▲ 0.50% · 4.625%
HK$43,350
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,358/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,142
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,452
−HK$1,332/mo
Today · 4.125%
HK$44,784
baseline
▲ 0.50% · 4.625%
HK$47,509
+HK$2,725/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,568/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,882
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,139
−HK$1,276/mo
Today · 4.125%
HK$49,415
baseline
▲ 0.50% · 4.625%
HK$52,020
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,830/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,165
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,695
−HK$1,553/mo
Today · 4.125%
HK$52,248
baseline
▲ 0.50% · 4.625%
HK$55,428
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,496/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,696
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,163
−HK$1,488/mo
Today · 4.125%
HK$57,651
baseline
▲ 0.50% · 4.625%
HK$60,690
+HK$3,039/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,302/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,212
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,179
−HK$1,997/mo
Today · 4.125%
HK$67,176
baseline
▲ 0.50% · 4.625%
HK$71,264
+HK$4,088/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$134,352/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,323
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,209
−HK$1,914/mo
Today · 4.125%
HK$74,123
baseline
▲ 0.50% · 4.625%
HK$78,030
+HK$3,907/mo
Deposit HK$1.54M · loan HK$13.86M · min. income ≈ HK$148,246/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,535 · Scale 2, in force from 26 Feb 2026)