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$35,066
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,157
−HK$1,108/mo
Today · 4.125%
HK$37,265
baseline
▲ 0.50% · 4.625%
HK$39,533
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,530/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,011
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,057
−HK$1,062/mo
Today · 4.125%
HK$41,119
baseline
▲ 0.50% · 4.625%
HK$43,286
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,238/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,080
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,389
−HK$1,329/mo
Today · 4.125%
HK$44,718
baseline
▲ 0.50% · 4.625%
HK$47,439
+HK$2,721/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,436/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,813
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,069
−HK$1,273/mo
Today · 4.125%
HK$49,342
baseline
▲ 0.50% · 4.625%
HK$51,943
+HK$2,601/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,684/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,093
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,620
−HK$1,552/mo
Today · 4.125%
HK$52,172
baseline
▲ 0.50% · 4.625%
HK$55,346
+HK$3,174/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,344/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,615
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,080
−HK$1,486/mo
Today · 4.125%
HK$57,566
baseline
▲ 0.50% · 4.625%
HK$60,601
+HK$3,035/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,132/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,120
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,083
−HK$1,995/mo
Today · 4.125%
HK$67,078
baseline
▲ 0.50% · 4.625%
HK$71,159
+HK$4,081/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,156/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,220
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,103
−HK$1,911/mo
Today · 4.125%
HK$74,014
baseline
▲ 0.50% · 4.625%
HK$77,915
+HK$3,901/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,028/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,686 · Scale 2, in force from 26 Feb 2026)