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$35,144
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,237
−HK$1,111/mo
Today · 4.125%
HK$37,348
baseline
▲ 0.50% · 4.625%
HK$39,620
+HK$2,272/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,696/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,097
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,146
−HK$1,063/mo
Today · 4.125%
HK$41,209
baseline
▲ 0.50% · 4.625%
HK$43,382
+HK$2,173/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,418/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,172
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,484
−HK$1,333/mo
Today · 4.125%
HK$44,817
baseline
▲ 0.50% · 4.625%
HK$47,544
+HK$2,727/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$89,634/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,916
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,175
−HK$1,276/mo
Today · 4.125%
HK$49,451
baseline
▲ 0.50% · 4.625%
HK$52,058
+HK$2,607/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$98,902/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,201
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,732
−HK$1,555/mo
Today · 4.125%
HK$52,287
baseline
▲ 0.50% · 4.625%
HK$55,468
+HK$3,181/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,574/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,736
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,204
−HK$1,489/mo
Today · 4.125%
HK$57,693
baseline
▲ 0.50% · 4.625%
HK$60,734
+HK$3,041/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,386/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,259
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,226
−HK$2,000/mo
Today · 4.125%
HK$67,226
baseline
▲ 0.50% · 4.625%
HK$71,316
+HK$4,090/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,452/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,375
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,262
−HK$1,915/mo
Today · 4.125%
HK$74,177
baseline
▲ 0.50% · 4.625%
HK$78,087
+HK$3,910/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,354/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,957 · Scale 2, in force from 26 Feb 2026)