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$35,005
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,094
−HK$1,106/mo
Today · 4.125%
HK$37,200
baseline
▲ 0.50% · 4.625%
HK$39,464
+HK$2,264/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,400/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,943
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,987
−HK$1,060/mo
Today · 4.125%
HK$41,047
baseline
▲ 0.50% · 4.625%
HK$43,210
+HK$2,163/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,094/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,006
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,313
−HK$1,327/mo
Today · 4.125%
HK$44,640
baseline
▲ 0.50% · 4.625%
HK$47,356
+HK$2,716/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,280/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,731
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,985
−HK$1,271/mo
Today · 4.125%
HK$49,256
baseline
▲ 0.50% · 4.625%
HK$51,852
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,512/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,007
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,531
−HK$1,549/mo
Today · 4.125%
HK$52,080
baseline
▲ 0.50% · 4.625%
HK$55,249
+HK$3,169/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,160/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,520
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,982
−HK$1,483/mo
Today · 4.125%
HK$57,465
baseline
▲ 0.50% · 4.625%
HK$60,494
+HK$3,029/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,930/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,009
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,969
−HK$1,991/mo
Today · 4.125%
HK$66,960
baseline
▲ 0.50% · 4.625%
HK$71,035
+HK$4,075/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,920/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,097
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,977
−HK$1,907/mo
Today · 4.125%
HK$73,884
baseline
▲ 0.50% · 4.625%
HK$77,778
+HK$3,894/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,768/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,675 · Scale 2, in force from 26 Feb 2026)