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$35,000
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,089
−HK$1,106/mo
Today · 4.125%
HK$37,195
baseline
▲ 0.50% · 4.625%
HK$39,458
+HK$2,263/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,390/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,937
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,981
−HK$1,060/mo
Today · 4.125%
HK$41,041
baseline
▲ 0.50% · 4.625%
HK$43,204
+HK$2,163/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,082/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,000
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,306
−HK$1,328/mo
Today · 4.125%
HK$44,634
baseline
▲ 0.50% · 4.625%
HK$47,350
+HK$2,716/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,268/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,724
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,978
−HK$1,271/mo
Today · 4.125%
HK$49,249
baseline
▲ 0.50% · 4.625%
HK$51,845
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,498/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,000
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,524
−HK$1,549/mo
Today · 4.125%
HK$52,073
baseline
▲ 0.50% · 4.625%
HK$55,241
+HK$3,168/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,146/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,512
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,974
−HK$1,483/mo
Today · 4.125%
HK$57,457
baseline
▲ 0.50% · 4.625%
HK$60,486
+HK$3,029/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,914/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,000
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,959
−HK$1,991/mo
Today · 4.125%
HK$66,950
baseline
▲ 0.50% · 4.625%
HK$71,024
+HK$4,074/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,900/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,087
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,966
−HK$1,907/mo
Today · 4.125%
HK$73,873
baseline
▲ 0.50% · 4.625%
HK$77,767
+HK$3,894/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,746/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,592 · Scale 2, in force from 26 Feb 2026)