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$35,134
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,227
−HK$1,110/mo
Today · 4.125%
HK$37,337
baseline
▲ 0.50% · 4.625%
HK$39,609
+HK$2,272/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,674/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,086
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,135
−HK$1,063/mo
Today · 4.125%
HK$41,198
baseline
▲ 0.50% · 4.625%
HK$43,370
+HK$2,172/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,396/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,161
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,472
−HK$1,333/mo
Today · 4.125%
HK$44,805
baseline
▲ 0.50% · 4.625%
HK$47,531
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,610/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,904
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,162
−HK$1,276/mo
Today · 4.125%
HK$49,438
baseline
▲ 0.50% · 4.625%
HK$52,044
+HK$2,606/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,876/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,188
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,718
−HK$1,554/mo
Today · 4.125%
HK$52,272
baseline
▲ 0.50% · 4.625%
HK$55,453
+HK$3,181/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,544/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,721
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,189
−HK$1,488/mo
Today · 4.125%
HK$57,677
baseline
▲ 0.50% · 4.625%
HK$60,718
+HK$3,041/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,354/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,242
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,209
−HK$1,998/mo
Today · 4.125%
HK$67,207
baseline
▲ 0.50% · 4.625%
HK$71,297
+HK$4,090/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,414/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,356
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,242
−HK$1,915/mo
Today · 4.125%
HK$74,157
baseline
▲ 0.50% · 4.625%
HK$78,066
+HK$3,909/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,314/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,801 · Scale 2, in force from 26 Feb 2026)