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$2,194/mo
▼ 0.25% · 3.875%
HK$36,088
−HK$1,106/mo
Today · 4.125%
HK$37,194
baseline
▲ 0.50% · 4.625%
HK$39,458
+HK$2,264/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,388/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,937
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,981
−HK$1,059/mo
Today · 4.125%
HK$41,040
baseline
▲ 0.50% · 4.625%
HK$43,204
+HK$2,164/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,080/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,000
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,306
−HK$1,327/mo
Today · 4.125%
HK$44,633
baseline
▲ 0.50% · 4.625%
HK$47,349
+HK$2,716/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,266/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,724
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,977
−HK$1,271/mo
Today · 4.125%
HK$49,248
baseline
▲ 0.50% · 4.625%
HK$51,844
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,496/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,000
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,524
−HK$1,548/mo
Today · 4.125%
HK$52,072
baseline
▲ 0.50% · 4.625%
HK$55,241
+HK$3,169/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,144/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,511
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,973
−HK$1,484/mo
Today · 4.125%
HK$57,457
baseline
▲ 0.50% · 4.625%
HK$60,485
+HK$3,028/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$575,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,999
−HK$3,951/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$575,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,086
−HK$3,787/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$575,588 · Scale 2, in force from 26 Feb 2026)