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$35,015
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,104
−HK$1,107/mo
Today · 4.125%
HK$37,211
baseline
▲ 0.50% · 4.625%
HK$39,475
+HK$2,264/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,422/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,954
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,999
−HK$1,059/mo
Today · 4.125%
HK$41,058
baseline
▲ 0.50% · 4.625%
HK$43,223
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,116/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,018
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,325
−HK$1,328/mo
Today · 4.125%
HK$44,653
baseline
▲ 0.50% · 4.625%
HK$47,370
+HK$2,717/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,306/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,745
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,998
−HK$1,272/mo
Today · 4.125%
HK$49,270
baseline
▲ 0.50% · 4.625%
HK$51,867
+HK$2,597/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,540/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,021
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,546
−HK$1,549/mo
Today · 4.125%
HK$52,095
baseline
▲ 0.50% · 4.625%
HK$55,265
+HK$3,170/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,190/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,535
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$55,998
−HK$1,484/mo
Today · 4.125%
HK$57,482
baseline
▲ 0.50% · 4.625%
HK$60,512
+HK$3,030/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,964/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,027
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,988
−HK$1,991/mo
Today · 4.125%
HK$66,979
baseline
▲ 0.50% · 4.625%
HK$71,055
+HK$4,076/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,958/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,117
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,997
−HK$1,908/mo
Today · 4.125%
HK$73,905
baseline
▲ 0.50% · 4.625%
HK$77,801
+HK$3,896/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,810/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,841 · Scale 2, in force from 26 Feb 2026)