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$35,010
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,099
−HK$1,107/mo
Today · 4.125%
HK$37,206
baseline
▲ 0.50% · 4.625%
HK$39,470
+HK$2,264/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,412/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,949
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,993
−HK$1,060/mo
Today · 4.125%
HK$41,053
baseline
▲ 0.50% · 4.625%
HK$43,217
+HK$2,164/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,106/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,012
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,319
−HK$1,328/mo
Today · 4.125%
HK$44,647
baseline
▲ 0.50% · 4.625%
HK$47,364
+HK$2,717/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,294/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,738
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,992
−HK$1,271/mo
Today · 4.125%
HK$49,263
baseline
▲ 0.50% · 4.625%
HK$51,860
+HK$2,597/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,526/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,014
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,539
−HK$1,549/mo
Today · 4.125%
HK$52,088
baseline
▲ 0.50% · 4.625%
HK$55,258
+HK$3,170/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,176/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,528
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,990
−HK$1,484/mo
Today · 4.125%
HK$57,474
baseline
▲ 0.50% · 4.625%
HK$60,504
+HK$3,030/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,948/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,019
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,979
−HK$1,991/mo
Today · 4.125%
HK$66,970
baseline
▲ 0.50% · 4.625%
HK$71,045
+HK$4,075/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,940/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,108
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,988
−HK$1,907/mo
Today · 4.125%
HK$73,895
baseline
▲ 0.50% · 4.625%
HK$77,790
+HK$3,895/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,790/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,763 · Scale 2, in force from 26 Feb 2026)