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$35,001
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,090
−HK$1,106/mo
Today · 4.125%
HK$37,196
baseline
▲ 0.50% · 4.625%
HK$39,459
+HK$2,263/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,392/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,939
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,983
−HK$1,059/mo
Today · 4.125%
HK$41,042
baseline
▲ 0.50% · 4.625%
HK$43,206
+HK$2,164/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,084/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,001
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,308
−HK$1,327/mo
Today · 4.125%
HK$44,635
baseline
▲ 0.50% · 4.625%
HK$47,351
+HK$2,716/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,270/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,726
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,979
−HK$1,272/mo
Today · 4.125%
HK$49,251
baseline
▲ 0.50% · 4.625%
HK$51,847
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,502/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,002
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,526
−HK$1,549/mo
Today · 4.125%
HK$52,075
baseline
▲ 0.50% · 4.625%
HK$55,243
+HK$3,168/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,150/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,514
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,976
−HK$1,483/mo
Today · 4.125%
HK$57,459
baseline
▲ 0.50% · 4.625%
HK$60,488
+HK$3,029/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,918/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,002
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,962
−HK$1,991/mo
Today · 4.125%
HK$66,953
baseline
▲ 0.50% · 4.625%
HK$71,027
+HK$4,074/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,906/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,089
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,969
−HK$1,907/mo
Today · 4.125%
HK$73,876
baseline
▲ 0.50% · 4.625%
HK$77,770
+HK$3,894/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,752/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,614 · Scale 2, in force from 26 Feb 2026)