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$35,050
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,140
−HK$1,108/mo
Today · 4.125%
HK$37,248
baseline
▲ 0.50% · 4.625%
HK$39,514
+HK$2,266/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,496/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,992
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,038
−HK$1,061/mo
Today · 4.125%
HK$41,099
baseline
▲ 0.50% · 4.625%
HK$43,265
+HK$2,166/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,198/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,060
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,368
−HK$1,329/mo
Today · 4.125%
HK$44,697
baseline
▲ 0.50% · 4.625%
HK$47,417
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,394/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,791
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,046
−HK$1,273/mo
Today · 4.125%
HK$49,319
baseline
▲ 0.50% · 4.625%
HK$51,919
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,638/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,070
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,596
−HK$1,551/mo
Today · 4.125%
HK$52,147
baseline
▲ 0.50% · 4.625%
HK$55,320
+HK$3,173/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,294/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,589
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,053
−HK$1,486/mo
Today · 4.125%
HK$57,539
baseline
▲ 0.50% · 4.625%
HK$60,572
+HK$3,033/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,078/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,089
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,052
−HK$1,994/mo
Today · 4.125%
HK$67,046
baseline
▲ 0.50% · 4.625%
HK$71,125
+HK$4,079/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,092/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,186
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,069
−HK$1,909/mo
Today · 4.125%
HK$73,978
baseline
▲ 0.50% · 4.625%
HK$77,878
+HK$3,900/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,956/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,411 · Scale 2, in force from 26 Feb 2026)