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$35,069
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,160
−HK$1,109/mo
Today · 4.125%
HK$37,269
baseline
▲ 0.50% · 4.625%
HK$39,536
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,538/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,014
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,061
−HK$1,061/mo
Today · 4.125%
HK$41,122
baseline
▲ 0.50% · 4.625%
HK$43,290
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,244/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,083
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,392
−HK$1,330/mo
Today · 4.125%
HK$44,722
baseline
▲ 0.50% · 4.625%
HK$47,444
+HK$2,722/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,444/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,817
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,073
−HK$1,274/mo
Today · 4.125%
HK$49,347
baseline
▲ 0.50% · 4.625%
HK$51,948
+HK$2,601/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,694/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,097
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,625
−HK$1,551/mo
Today · 4.125%
HK$52,176
baseline
▲ 0.50% · 4.625%
HK$55,351
+HK$3,175/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$104,352/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,620
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,085
−HK$1,486/mo
Today · 4.125%
HK$57,571
baseline
▲ 0.50% · 4.625%
HK$60,606
+HK$3,035/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$115,142/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,125
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,089
−HK$1,995/mo
Today · 4.125%
HK$67,084
baseline
▲ 0.50% · 4.625%
HK$71,165
+HK$4,081/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,168/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,226
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,109
−HK$1,911/mo
Today · 4.125%
HK$74,020
baseline
▲ 0.50% · 4.625%
HK$77,922
+HK$3,902/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,040/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,737 · Scale 2, in force from 26 Feb 2026)