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$35,091
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,182
−HK$1,109/mo
Today · 4.125%
HK$37,291
baseline
▲ 0.50% · 4.625%
HK$39,560
+HK$2,269/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,582/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,038
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,085
−HK$1,062/mo
Today · 4.125%
HK$41,147
baseline
▲ 0.50% · 4.625%
HK$43,316
+HK$2,169/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,294/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,109
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,419
−HK$1,331/mo
Today · 4.125%
HK$44,750
baseline
▲ 0.50% · 4.625%
HK$47,473
+HK$2,723/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$89,500/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,846
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,102
−HK$1,275/mo
Today · 4.125%
HK$49,377
baseline
▲ 0.50% · 4.625%
HK$51,980
+HK$2,603/mo
Deposit HK$6.16M · loan HK$9.23M · min. income ≈ HK$98,754/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,127
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,655
−HK$1,553/mo
Today · 4.125%
HK$52,208
baseline
▲ 0.50% · 4.625%
HK$55,385
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,416/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,654
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,119
−HK$1,487/mo
Today · 4.125%
HK$57,606
baseline
▲ 0.50% · 4.625%
HK$60,643
+HK$3,037/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,212/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$577,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,164
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,128
−HK$1,997/mo
Today · 4.125%
HK$67,125
baseline
▲ 0.50% · 4.625%
HK$71,209
+HK$4,084/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,250/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,269
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,153
−HK$1,912/mo
Today · 4.125%
HK$74,065
baseline
▲ 0.50% · 4.625%
HK$77,969
+HK$3,904/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,130/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,088 · Scale 2, in force from 26 Feb 2026)