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$35,038
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,127
−HK$1,108/mo
Today · 4.125%
HK$37,235
baseline
▲ 0.50% · 4.625%
HK$39,500
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,470/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,979
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,024
−HK$1,061/mo
Today · 4.125%
HK$41,085
baseline
▲ 0.50% · 4.625%
HK$43,250
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,170/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,045
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,353
−HK$1,329/mo
Today · 4.125%
HK$44,682
baseline
▲ 0.50% · 4.625%
HK$47,400
+HK$2,718/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,364/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,775
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,029
−HK$1,273/mo
Today · 4.125%
HK$49,302
baseline
▲ 0.50% · 4.625%
HK$51,901
+HK$2,599/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,604/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,053
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,578
−HK$1,551/mo
Today · 4.125%
HK$52,129
baseline
▲ 0.50% · 4.625%
HK$55,300
+HK$3,171/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,258/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,570
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,034
−HK$1,485/mo
Today · 4.125%
HK$57,519
baseline
▲ 0.50% · 4.625%
HK$60,551
+HK$3,032/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,038/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,068
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,029
−HK$1,993/mo
Today · 4.125%
HK$67,022
baseline
▲ 0.50% · 4.625%
HK$71,101
+HK$4,079/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,044/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,162
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,044
−HK$1,909/mo
Today · 4.125%
HK$73,953
baseline
▲ 0.50% · 4.625%
HK$77,851
+HK$3,898/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,906/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,211 · Scale 2, in force from 26 Feb 2026)