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$35,009
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,098
−HK$1,106/mo
Today · 4.125%
HK$37,204
baseline
▲ 0.50% · 4.625%
HK$39,468
+HK$2,264/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$575,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,947
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,992
−HK$1,059/mo
Today · 4.125%
HK$41,051
baseline
▲ 0.50% · 4.625%
HK$43,215
+HK$2,164/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,102/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,011
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,318
−HK$1,327/mo
Today · 4.125%
HK$44,645
baseline
▲ 0.50% · 4.625%
HK$47,362
+HK$2,717/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,290/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,737
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,990
−HK$1,272/mo
Today · 4.125%
HK$49,262
baseline
▲ 0.50% · 4.625%
HK$51,858
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,524/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,013
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,537
−HK$1,549/mo
Today · 4.125%
HK$52,086
baseline
▲ 0.50% · 4.625%
HK$55,256
+HK$3,170/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,172/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,526
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,989
−HK$1,483/mo
Today · 4.125%
HK$57,472
baseline
▲ 0.50% · 4.625%
HK$60,501
+HK$3,029/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,944/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,016
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,977
−HK$1,991/mo
Today · 4.125%
HK$66,968
baseline
▲ 0.50% · 4.625%
HK$71,043
+HK$4,075/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,936/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,105
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,985
−HK$1,908/mo
Today · 4.125%
HK$73,893
baseline
▲ 0.50% · 4.625%
HK$77,788
+HK$3,895/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,786/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,743 · Scale 2, in force from 26 Feb 2026)