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$35,034
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,124
−HK$1,107/mo
Today · 4.125%
HK$37,231
baseline
▲ 0.50% · 4.625%
HK$39,496
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,462/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,975
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,020
−HK$1,061/mo
Today · 4.125%
HK$41,081
baseline
▲ 0.50% · 4.625%
HK$43,246
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,162/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,041
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,349
−HK$1,328/mo
Today · 4.125%
HK$44,677
baseline
▲ 0.50% · 4.625%
HK$47,396
+HK$2,719/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,354/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,770
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,024
−HK$1,273/mo
Today · 4.125%
HK$49,297
baseline
▲ 0.50% · 4.625%
HK$51,895
+HK$2,598/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,594/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,048
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,573
−HK$1,550/mo
Today · 4.125%
HK$52,123
baseline
▲ 0.50% · 4.625%
HK$55,295
+HK$3,172/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,246/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,565
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,028
−HK$1,485/mo
Today · 4.125%
HK$57,513
baseline
▲ 0.50% · 4.625%
HK$60,545
+HK$3,032/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$115,026/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,061
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,023
−HK$1,993/mo
Today · 4.125%
HK$67,016
baseline
▲ 0.50% · 4.625%
HK$71,093
+HK$4,077/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,032/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,155
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,036
−HK$1,909/mo
Today · 4.125%
HK$73,945
baseline
▲ 0.50% · 4.625%
HK$77,843
+HK$3,898/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,890/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,153 · Scale 2, in force from 26 Feb 2026)