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$35,055
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,145
−HK$1,108/mo
Today · 4.125%
HK$37,253
baseline
▲ 0.50% · 4.625%
HK$39,520
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,506/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,998
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,044
−HK$1,061/mo
Today · 4.125%
HK$41,105
baseline
▲ 0.50% · 4.625%
HK$43,272
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,210/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,066
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,374
−HK$1,330/mo
Today · 4.125%
HK$44,704
baseline
▲ 0.50% · 4.625%
HK$47,424
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,408/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,798
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,053
−HK$1,273/mo
Today · 4.125%
HK$49,326
baseline
▲ 0.50% · 4.625%
HK$51,926
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,652/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,077
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,603
−HK$1,551/mo
Today · 4.125%
HK$52,154
baseline
▲ 0.50% · 4.625%
HK$55,328
+HK$3,174/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,308/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,597
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,061
−HK$1,486/mo
Today · 4.125%
HK$57,547
baseline
▲ 0.50% · 4.625%
HK$60,580
+HK$3,033/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,094/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,098
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,061
−HK$1,994/mo
Today · 4.125%
HK$67,055
baseline
▲ 0.50% · 4.625%
HK$71,135
+HK$4,080/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,110/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,196
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,079
−HK$1,910/mo
Today · 4.125%
HK$73,989
baseline
▲ 0.50% · 4.625%
HK$77,889
+HK$3,900/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$147,978/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,493 · Scale 2, in force from 26 Feb 2026)