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$35,007
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,096
−HK$1,106/mo
Today · 4.125%
HK$37,202
baseline
▲ 0.50% · 4.625%
HK$39,466
+HK$2,264/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,404/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,945
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,989
−HK$1,060/mo
Today · 4.125%
HK$41,049
baseline
▲ 0.50% · 4.625%
HK$43,212
+HK$2,163/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,098/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,008
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,315
−HK$1,327/mo
Today · 4.125%
HK$44,642
baseline
▲ 0.50% · 4.625%
HK$47,359
+HK$2,717/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,284/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,734
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,987
−HK$1,271/mo
Today · 4.125%
HK$49,258
baseline
▲ 0.50% · 4.625%
HK$51,855
+HK$2,597/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,516/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,009
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,534
−HK$1,549/mo
Today · 4.125%
HK$52,083
baseline
▲ 0.50% · 4.625%
HK$55,252
+HK$3,169/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,166/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,523
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,985
−HK$1,483/mo
Today · 4.125%
HK$57,468
baseline
▲ 0.50% · 4.625%
HK$60,497
+HK$3,029/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,936/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,012
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,972
−HK$1,992/mo
Today · 4.125%
HK$66,964
baseline
▲ 0.50% · 4.625%
HK$71,038
+HK$4,074/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,928/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,100
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,980
−HK$1,908/mo
Today · 4.125%
HK$73,888
baseline
▲ 0.50% · 4.625%
HK$77,782
+HK$3,894/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,776/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,705 · Scale 2, in force from 26 Feb 2026)