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$35,008
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,097
−HK$1,107/mo
Today · 4.125%
HK$37,204
baseline
▲ 0.50% · 4.625%
HK$39,467
+HK$2,263/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,408/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,946
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,991
−HK$1,059/mo
Today · 4.125%
HK$41,050
baseline
▲ 0.50% · 4.625%
HK$43,214
+HK$2,164/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,100/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,010
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,317
−HK$1,327/mo
Today · 4.125%
HK$44,644
baseline
▲ 0.50% · 4.625%
HK$47,361
+HK$2,717/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,288/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,736
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,989
−HK$1,272/mo
Today · 4.125%
HK$49,261
baseline
▲ 0.50% · 4.625%
HK$51,857
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,522/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,012
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,536
−HK$1,549/mo
Today · 4.125%
HK$52,085
baseline
▲ 0.50% · 4.625%
HK$55,254
+HK$3,169/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,170/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,525
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,987
−HK$1,484/mo
Today · 4.125%
HK$57,471
baseline
▲ 0.50% · 4.625%
HK$60,500
+HK$3,029/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,942/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,015
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,975
−HK$1,991/mo
Today · 4.125%
HK$66,966
baseline
▲ 0.50% · 4.625%
HK$71,041
+HK$4,075/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,932/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,103
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,983
−HK$1,908/mo
Today · 4.125%
HK$73,891
baseline
▲ 0.50% · 4.625%
HK$77,786
+HK$3,895/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,782/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,729 · Scale 2, in force from 26 Feb 2026)