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$34,999
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,088
−HK$1,106/mo
Today · 4.125%
HK$37,194
baseline
▲ 0.50% · 4.625%
HK$39,457
+HK$2,263/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$575,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,936
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,980
−HK$1,060/mo
Today · 4.125%
HK$41,040
baseline
▲ 0.50% · 4.625%
HK$43,203
+HK$2,163/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$575,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,999
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,305
−HK$1,327/mo
Today · 4.125%
HK$44,632
baseline
▲ 0.50% · 4.625%
HK$47,348
+HK$2,716/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,264/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,723
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,976
−HK$1,272/mo
Today · 4.125%
HK$49,248
baseline
▲ 0.50% · 4.625%
HK$51,843
+HK$2,595/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$575,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,999
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,523
−HK$1,548/mo
Today · 4.125%
HK$52,071
baseline
▲ 0.50% · 4.625%
HK$55,240
+HK$3,169/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,142/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,510
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,972
−HK$1,483/mo
Today · 4.125%
HK$57,455
baseline
▲ 0.50% · 4.625%
HK$60,484
+HK$3,029/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,910/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,998
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,958
−HK$1,991/mo
Today · 4.125%
HK$66,949
baseline
▲ 0.50% · 4.625%
HK$71,022
+HK$4,073/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,898/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,085
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,965
−HK$1,906/mo
Today · 4.125%
HK$73,871
baseline
▲ 0.50% · 4.625%
HK$77,765
+HK$3,894/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,742/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,577 · Scale 2, in force from 26 Feb 2026)