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$35,136
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,229
−HK$1,110/mo
Today · 4.125%
HK$37,339
baseline
▲ 0.50% · 4.625%
HK$39,611
+HK$2,272/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,678/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,088
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,136
−HK$1,064/mo
Today · 4.125%
HK$41,200
baseline
▲ 0.50% · 4.625%
HK$43,372
+HK$2,172/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,400/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,163
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,474
−HK$1,333/mo
Today · 4.125%
HK$44,807
baseline
▲ 0.50% · 4.625%
HK$47,533
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$89,614/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,906
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,164
−HK$1,276/mo
Today · 4.125%
HK$49,440
baseline
▲ 0.50% · 4.625%
HK$52,046
+HK$2,606/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$98,880/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,190
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,720
−HK$1,555/mo
Today · 4.125%
HK$52,275
baseline
▲ 0.50% · 4.625%
HK$55,455
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,550/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,723
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,191
−HK$1,489/mo
Today · 4.125%
HK$57,680
baseline
▲ 0.50% · 4.625%
HK$60,720
+HK$3,040/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,360/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,244
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,212
−HK$1,998/mo
Today · 4.125%
HK$67,210
baseline
▲ 0.50% · 4.625%
HK$71,300
+HK$4,090/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,420/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,359
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,246
−HK$1,914/mo
Today · 4.125%
HK$74,160
baseline
▲ 0.50% · 4.625%
HK$78,069
+HK$3,909/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,320/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,826 · Scale 2, in force from 26 Feb 2026)