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$35,030
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,119
−HK$1,107/mo
Today · 4.125%
HK$37,226
baseline
▲ 0.50% · 4.625%
HK$39,492
+HK$2,266/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,452/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,970
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,015
−HK$1,061/mo
Today · 4.125%
HK$41,076
baseline
▲ 0.50% · 4.625%
HK$43,241
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,152/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,036
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,343
−HK$1,329/mo
Today · 4.125%
HK$44,672
baseline
▲ 0.50% · 4.625%
HK$47,390
+HK$2,718/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$89,344/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,764
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,019
−HK$1,272/mo
Today · 4.125%
HK$49,291
baseline
▲ 0.50% · 4.625%
HK$51,889
+HK$2,598/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$98,582/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,042
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,567
−HK$1,550/mo
Today · 4.125%
HK$52,117
baseline
▲ 0.50% · 4.625%
HK$55,288
+HK$3,171/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,234/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,558
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,022
−HK$1,484/mo
Today · 4.125%
HK$57,506
baseline
▲ 0.50% · 4.625%
HK$60,537
+HK$3,031/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$115,012/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,054
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,015
−HK$1,993/mo
Today · 4.125%
HK$67,008
baseline
▲ 0.50% · 4.625%
HK$71,085
+HK$4,077/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,016/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,146
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,028
−HK$1,908/mo
Today · 4.125%
HK$73,936
baseline
▲ 0.50% · 4.625%
HK$77,834
+HK$3,898/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,872/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,083 · Scale 2, in force from 26 Feb 2026)