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$35,103
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,194
−HK$1,110/mo
Today · 4.125%
HK$37,304
baseline
▲ 0.50% · 4.625%
HK$39,574
+HK$2,270/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,608/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,051
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,099
−HK$1,062/mo
Today · 4.125%
HK$41,161
baseline
▲ 0.50% · 4.625%
HK$43,331
+HK$2,170/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,322/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,123
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,433
−HK$1,332/mo
Today · 4.125%
HK$44,765
baseline
▲ 0.50% · 4.625%
HK$47,488
+HK$2,723/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,530/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,861
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,118
−HK$1,275/mo
Today · 4.125%
HK$49,393
baseline
▲ 0.50% · 4.625%
HK$51,997
+HK$2,604/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,786/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,144
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,672
−HK$1,553/mo
Today · 4.125%
HK$52,225
baseline
▲ 0.50% · 4.625%
HK$55,403
+HK$3,178/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,450/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,672
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,138
−HK$1,487/mo
Today · 4.125%
HK$57,625
baseline
▲ 0.50% · 4.625%
HK$60,663
+HK$3,038/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,250/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,185
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,150
−HK$1,997/mo
Today · 4.125%
HK$67,147
baseline
▲ 0.50% · 4.625%
HK$71,233
+HK$4,086/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,294/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,292
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,177
−HK$1,913/mo
Today · 4.125%
HK$74,090
baseline
▲ 0.50% · 4.625%
HK$77,995
+HK$3,905/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,180/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,280 · Scale 2, in force from 26 Feb 2026)