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$35,031
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,121
−HK$1,107/mo
Today · 4.125%
HK$37,228
baseline
▲ 0.50% · 4.625%
HK$39,494
+HK$2,266/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,456/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,972
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,017
−HK$1,061/mo
Today · 4.125%
HK$41,078
baseline
▲ 0.50% · 4.625%
HK$43,243
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,156/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,038
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,345
−HK$1,329/mo
Today · 4.125%
HK$44,674
baseline
▲ 0.50% · 4.625%
HK$47,392
+HK$2,718/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,348/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,767
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,021
−HK$1,272/mo
Today · 4.125%
HK$49,293
baseline
▲ 0.50% · 4.625%
HK$51,892
+HK$2,599/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,586/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,044
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,570
−HK$1,550/mo
Today · 4.125%
HK$52,120
baseline
▲ 0.50% · 4.625%
HK$55,291
+HK$3,171/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,240/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,561
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,024
−HK$1,485/mo
Today · 4.125%
HK$57,509
baseline
▲ 0.50% · 4.625%
HK$60,540
+HK$3,031/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$115,018/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,057
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,018
−HK$1,993/mo
Today · 4.125%
HK$67,011
baseline
▲ 0.50% · 4.625%
HK$71,088
+HK$4,077/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,022/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,150
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,031
−HK$1,909/mo
Today · 4.125%
HK$73,940
baseline
▲ 0.50% · 4.625%
HK$77,837
+HK$3,897/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,880/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,111 · Scale 2, in force from 26 Feb 2026)