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$35,031
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,121
−HK$1,107/mo
Today · 4.125%
HK$37,228
baseline
▲ 0.50% · 4.625%
HK$39,493
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,456/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,972
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,017
−HK$1,060/mo
Today · 4.125%
HK$41,077
baseline
▲ 0.50% · 4.625%
HK$43,243
+HK$2,166/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,154/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,037
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,345
−HK$1,328/mo
Today · 4.125%
HK$44,673
baseline
▲ 0.50% · 4.625%
HK$47,392
+HK$2,719/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,346/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,766
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,020
−HK$1,273/mo
Today · 4.125%
HK$49,293
baseline
▲ 0.50% · 4.625%
HK$51,891
+HK$2,598/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,586/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,044
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,569
−HK$1,550/mo
Today · 4.125%
HK$52,119
baseline
▲ 0.50% · 4.625%
HK$55,290
+HK$3,171/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,238/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,561
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,024
−HK$1,484/mo
Today · 4.125%
HK$57,508
baseline
▲ 0.50% · 4.625%
HK$60,540
+HK$3,032/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$115,016/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,056
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,017
−HK$1,993/mo
Today · 4.125%
HK$67,010
baseline
▲ 0.50% · 4.625%
HK$71,088
+HK$4,078/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,020/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,149
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,031
−HK$1,908/mo
Today · 4.125%
HK$73,939
baseline
▲ 0.50% · 4.625%
HK$77,837
+HK$3,898/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,878/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,106 · Scale 2, in force from 26 Feb 2026)