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$35,029
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,118
−HK$1,107/mo
Today · 4.125%
HK$37,225
baseline
▲ 0.50% · 4.625%
HK$39,490
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,450/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,969
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,014
−HK$1,061/mo
Today · 4.125%
HK$41,075
baseline
▲ 0.50% · 4.625%
HK$43,240
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,150/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,035
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,342
−HK$1,328/mo
Today · 4.125%
HK$44,670
baseline
▲ 0.50% · 4.625%
HK$47,389
+HK$2,719/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$89,340/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,763
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,017
−HK$1,272/mo
Today · 4.125%
HK$49,289
baseline
▲ 0.50% · 4.625%
HK$51,888
+HK$2,599/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$98,578/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,040
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,566
−HK$1,550/mo
Today · 4.125%
HK$52,116
baseline
▲ 0.50% · 4.625%
HK$55,287
+HK$3,171/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,232/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,557
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,020
−HK$1,484/mo
Today · 4.125%
HK$57,504
baseline
▲ 0.50% · 4.625%
HK$60,535
+HK$3,031/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$115,008/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,052
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,013
−HK$1,993/mo
Today · 4.125%
HK$67,006
baseline
▲ 0.50% · 4.625%
HK$71,083
+HK$4,077/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,012/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,144
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,026
−HK$1,908/mo
Today · 4.125%
HK$73,934
baseline
▲ 0.50% · 4.625%
HK$77,831
+HK$3,897/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,868/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,067 · Scale 2, in force from 26 Feb 2026)