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$35,024
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,113
−HK$1,107/mo
Today · 4.125%
HK$37,220
baseline
▲ 0.50% · 4.625%
HK$39,485
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,440/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$575,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,964
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,009
−HK$1,060/mo
Today · 4.125%
HK$41,069
baseline
▲ 0.50% · 4.625%
HK$43,234
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,138/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$575,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,029
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,336
−HK$1,328/mo
Today · 4.125%
HK$44,664
baseline
▲ 0.50% · 4.625%
HK$47,382
+HK$2,718/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$89,328/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,756
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,010
−HK$1,273/mo
Today · 4.125%
HK$49,283
baseline
▲ 0.50% · 4.625%
HK$51,880
+HK$2,597/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$98,566/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,033
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,559
−HK$1,549/mo
Today · 4.125%
HK$52,108
baseline
▲ 0.50% · 4.625%
HK$55,279
+HK$3,171/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,216/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,549
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,012
−HK$1,484/mo
Today · 4.125%
HK$57,496
baseline
▲ 0.50% · 4.625%
HK$60,527
+HK$3,031/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,992/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,043
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,004
−HK$1,992/mo
Today · 4.125%
HK$66,996
baseline
▲ 0.50% · 4.625%
HK$71,073
+HK$4,077/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,992/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,135
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,016
−HK$1,908/mo
Today · 4.125%
HK$73,924
baseline
▲ 0.50% · 4.625%
HK$77,820
+HK$3,896/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,848/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,986 · Scale 2, in force from 26 Feb 2026)