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$35,062
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,152
−HK$1,109/mo
Today · 4.125%
HK$37,261
baseline
▲ 0.50% · 4.625%
HK$39,528
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,522/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,006
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,052
−HK$1,061/mo
Today · 4.125%
HK$41,113
baseline
▲ 0.50% · 4.625%
HK$43,280
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,226/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,074
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,383
−HK$1,330/mo
Today · 4.125%
HK$44,713
baseline
▲ 0.50% · 4.625%
HK$47,433
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,426/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,807
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,063
−HK$1,273/mo
Today · 4.125%
HK$49,336
baseline
▲ 0.50% · 4.625%
HK$51,937
+HK$2,601/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,672/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,087
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,613
−HK$1,552/mo
Today · 4.125%
HK$52,165
baseline
▲ 0.50% · 4.625%
HK$55,339
+HK$3,174/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,330/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,608
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,073
−HK$1,486/mo
Today · 4.125%
HK$57,559
baseline
▲ 0.50% · 4.625%
HK$60,593
+HK$3,034/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,118/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,111
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,074
−HK$1,995/mo
Today · 4.125%
HK$67,069
baseline
▲ 0.50% · 4.625%
HK$71,150
+HK$4,081/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,138/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,211
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,094
−HK$1,910/mo
Today · 4.125%
HK$74,004
baseline
▲ 0.50% · 4.625%
HK$77,905
+HK$3,901/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,008/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,611 · Scale 2, in force from 26 Feb 2026)