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$35,017
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,106
−HK$1,107/mo
Today · 4.125%
HK$37,213
baseline
▲ 0.50% · 4.625%
HK$39,477
+HK$2,264/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,426/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,956
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$40,000
−HK$1,060/mo
Today · 4.125%
HK$41,060
baseline
▲ 0.50% · 4.625%
HK$43,225
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,120/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,020
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,327
−HK$1,328/mo
Today · 4.125%
HK$44,655
baseline
▲ 0.50% · 4.625%
HK$47,372
+HK$2,717/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,310/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,747
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$48,001
−HK$1,271/mo
Today · 4.125%
HK$49,272
baseline
▲ 0.50% · 4.625%
HK$51,870
+HK$2,598/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,544/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,023
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,548
−HK$1,550/mo
Today · 4.125%
HK$52,098
baseline
▲ 0.50% · 4.625%
HK$55,268
+HK$3,170/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,196/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,538
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,001
−HK$1,484/mo
Today · 4.125%
HK$57,485
baseline
▲ 0.50% · 4.625%
HK$60,515
+HK$3,030/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,970/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,030
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,991
−HK$1,992/mo
Today · 4.125%
HK$66,983
baseline
▲ 0.50% · 4.625%
HK$71,058
+HK$4,075/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,966/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,120
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,001
−HK$1,908/mo
Today · 4.125%
HK$73,909
baseline
▲ 0.50% · 4.625%
HK$77,805
+HK$3,896/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,818/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,868 · Scale 2, in force from 26 Feb 2026)