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$35,027
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,117
−HK$1,107/mo
Today · 4.125%
HK$37,224
baseline
▲ 0.50% · 4.625%
HK$39,489
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,448/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,968
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,013
−HK$1,060/mo
Today · 4.125%
HK$41,073
baseline
▲ 0.50% · 4.625%
HK$43,238
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,146/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,033
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,340
−HK$1,329/mo
Today · 4.125%
HK$44,669
baseline
▲ 0.50% · 4.625%
HK$47,387
+HK$2,718/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$89,338/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,761
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,015
−HK$1,273/mo
Today · 4.125%
HK$49,288
baseline
▲ 0.50% · 4.625%
HK$51,886
+HK$2,598/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$98,576/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,038
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,564
−HK$1,550/mo
Today · 4.125%
HK$52,114
baseline
▲ 0.50% · 4.625%
HK$55,285
+HK$3,171/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,228/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,555
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,018
−HK$1,484/mo
Today · 4.125%
HK$57,502
baseline
▲ 0.50% · 4.625%
HK$60,533
+HK$3,031/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$115,004/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,049
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,011
−HK$1,992/mo
Today · 4.125%
HK$67,003
baseline
▲ 0.50% · 4.625%
HK$71,080
+HK$4,077/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,006/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,142
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,023
−HK$1,908/mo
Today · 4.125%
HK$73,931
baseline
▲ 0.50% · 4.625%
HK$77,828
+HK$3,897/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,862/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,046 · Scale 2, in force from 26 Feb 2026)