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$35,013
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,102
−HK$1,107/mo
Today · 4.125%
HK$37,209
baseline
▲ 0.50% · 4.625%
HK$39,473
+HK$2,264/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,418/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,952
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,997
−HK$1,059/mo
Today · 4.125%
HK$41,056
baseline
▲ 0.50% · 4.625%
HK$43,220
+HK$2,164/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,112/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,016
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,323
−HK$1,328/mo
Today · 4.125%
HK$44,651
baseline
▲ 0.50% · 4.625%
HK$47,368
+HK$2,717/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,302/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,742
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$47,996
−HK$1,272/mo
Today · 4.125%
HK$49,268
baseline
▲ 0.50% · 4.625%
HK$51,865
+HK$2,597/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,536/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,019
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,543
−HK$1,549/mo
Today · 4.125%
HK$52,092
baseline
▲ 0.50% · 4.625%
HK$55,262
+HK$3,170/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,184/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,533
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,995
−HK$1,484/mo
Today · 4.125%
HK$57,479
baseline
▲ 0.50% · 4.625%
HK$60,509
+HK$3,030/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,958/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,024
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,984
−HK$1,992/mo
Today · 4.125%
HK$66,976
baseline
▲ 0.50% · 4.625%
HK$71,051
+HK$4,075/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,952/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,113
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,994
−HK$1,907/mo
Today · 4.125%
HK$73,901
baseline
▲ 0.50% · 4.625%
HK$77,797
+HK$3,896/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,802/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,811 · Scale 2, in force from 26 Feb 2026)