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$35,019
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,108
−HK$1,107/mo
Today · 4.125%
HK$37,215
baseline
▲ 0.50% · 4.625%
HK$39,480
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,430/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,958
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,003
−HK$1,060/mo
Today · 4.125%
HK$41,063
baseline
▲ 0.50% · 4.625%
HK$43,228
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,126/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,023
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,330
−HK$1,328/mo
Today · 4.125%
HK$44,658
baseline
▲ 0.50% · 4.625%
HK$47,376
+HK$2,718/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,316/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,750
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,004
−HK$1,272/mo
Today · 4.125%
HK$49,276
baseline
▲ 0.50% · 4.625%
HK$51,873
+HK$2,597/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,552/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,027
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,552
−HK$1,549/mo
Today · 4.125%
HK$52,101
baseline
▲ 0.50% · 4.625%
HK$55,271
+HK$3,170/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,202/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,542
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,005
−HK$1,484/mo
Today · 4.125%
HK$57,489
baseline
▲ 0.50% · 4.625%
HK$60,519
+HK$3,030/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,978/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,034
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,995
−HK$1,992/mo
Today · 4.125%
HK$66,987
baseline
▲ 0.50% · 4.625%
HK$71,063
+HK$4,076/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,974/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,125
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,006
−HK$1,908/mo
Today · 4.125%
HK$73,914
baseline
▲ 0.50% · 4.625%
HK$77,810
+HK$3,896/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,828/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,909 · Scale 2, in force from 26 Feb 2026)