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$35,051
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,141
−HK$1,108/mo
Today · 4.125%
HK$37,249
baseline
▲ 0.50% · 4.625%
HK$39,516
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,498/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,994
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,040
−HK$1,061/mo
Today · 4.125%
HK$41,101
baseline
▲ 0.50% · 4.625%
HK$43,267
+HK$2,166/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,202/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,061
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,370
−HK$1,329/mo
Today · 4.125%
HK$44,699
baseline
▲ 0.50% · 4.625%
HK$47,419
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,398/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,793
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,048
−HK$1,273/mo
Today · 4.125%
HK$49,321
baseline
▲ 0.50% · 4.625%
HK$51,921
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,642/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,072
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,598
−HK$1,551/mo
Today · 4.125%
HK$52,149
baseline
▲ 0.50% · 4.625%
HK$55,322
+HK$3,173/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,298/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,592
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,056
−HK$1,485/mo
Today · 4.125%
HK$57,541
baseline
▲ 0.50% · 4.625%
HK$60,574
+HK$3,033/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,082/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,092
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,055
−HK$1,994/mo
Today · 4.125%
HK$67,049
baseline
▲ 0.50% · 4.625%
HK$71,128
+HK$4,079/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,098/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,189
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,072
−HK$1,909/mo
Today · 4.125%
HK$73,981
baseline
▲ 0.50% · 4.625%
HK$77,881
+HK$3,900/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,962/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,435 · Scale 2, in force from 26 Feb 2026)