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$35,037
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,127
−HK$1,107/mo
Today · 4.125%
HK$37,234
baseline
▲ 0.50% · 4.625%
HK$39,500
+HK$2,266/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,468/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,979
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,024
−HK$1,061/mo
Today · 4.125%
HK$41,085
baseline
▲ 0.50% · 4.625%
HK$43,250
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,170/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,045
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,353
−HK$1,328/mo
Today · 4.125%
HK$44,681
baseline
▲ 0.50% · 4.625%
HK$47,400
+HK$2,719/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,362/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,774
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,029
−HK$1,272/mo
Today · 4.125%
HK$49,301
baseline
▲ 0.50% · 4.625%
HK$51,900
+HK$2,599/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,602/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,052
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,578
−HK$1,550/mo
Today · 4.125%
HK$52,128
baseline
▲ 0.50% · 4.625%
HK$55,300
+HK$3,172/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,256/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,570
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,034
−HK$1,484/mo
Today · 4.125%
HK$57,518
baseline
▲ 0.50% · 4.625%
HK$60,550
+HK$3,032/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,036/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,067
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,029
−HK$1,993/mo
Today · 4.125%
HK$67,022
baseline
▲ 0.50% · 4.625%
HK$71,100
+HK$4,078/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,044/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,161
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,043
−HK$1,909/mo
Today · 4.125%
HK$73,952
baseline
▲ 0.50% · 4.625%
HK$77,850
+HK$3,898/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,904/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,207 · Scale 2, in force from 26 Feb 2026)