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$35,047
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,137
−HK$1,107/mo
Today · 4.125%
HK$37,244
baseline
▲ 0.50% · 4.625%
HK$39,511
+HK$2,267/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,488/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,989
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,035
−HK$1,061/mo
Today · 4.125%
HK$41,096
baseline
▲ 0.50% · 4.625%
HK$43,262
+HK$2,166/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,192/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,056
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,364
−HK$1,329/mo
Today · 4.125%
HK$44,693
baseline
▲ 0.50% · 4.625%
HK$47,413
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,386/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,787
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,042
−HK$1,273/mo
Today · 4.125%
HK$49,315
baseline
▲ 0.50% · 4.625%
HK$51,914
+HK$2,599/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,630/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,065
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,592
−HK$1,550/mo
Today · 4.125%
HK$52,142
baseline
▲ 0.50% · 4.625%
HK$55,315
+HK$3,173/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,284/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,585
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,049
−HK$1,485/mo
Today · 4.125%
HK$57,534
baseline
▲ 0.50% · 4.625%
HK$60,566
+HK$3,032/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,068/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,084
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,046
−HK$1,994/mo
Today · 4.125%
HK$67,040
baseline
▲ 0.50% · 4.625%
HK$71,119
+HK$4,079/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,080/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,180
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,063
−HK$1,909/mo
Today · 4.125%
HK$73,972
baseline
▲ 0.50% · 4.625%
HK$77,871
+HK$3,899/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,944/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,361 · Scale 2, in force from 26 Feb 2026)