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$35,028
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,118
−HK$1,107/mo
Today · 4.125%
HK$37,225
baseline
▲ 0.50% · 4.625%
HK$39,490
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,450/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,969
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,014
−HK$1,060/mo
Today · 4.125%
HK$41,074
baseline
▲ 0.50% · 4.625%
HK$43,239
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,148/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,034
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,342
−HK$1,328/mo
Today · 4.125%
HK$44,670
baseline
▲ 0.50% · 4.625%
HK$47,388
+HK$2,718/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$89,340/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,762
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,017
−HK$1,272/mo
Today · 4.125%
HK$49,289
baseline
▲ 0.50% · 4.625%
HK$51,887
+HK$2,598/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$98,578/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,040
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,565
−HK$1,550/mo
Today · 4.125%
HK$52,115
baseline
▲ 0.50% · 4.625%
HK$55,286
+HK$3,171/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,230/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,556
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,019
−HK$1,485/mo
Today · 4.125%
HK$57,504
baseline
▲ 0.50% · 4.625%
HK$60,535
+HK$3,031/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$115,008/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,051
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,012
−HK$1,993/mo
Today · 4.125%
HK$67,005
baseline
▲ 0.50% · 4.625%
HK$71,082
+HK$4,077/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,010/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,144
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,025
−HK$1,908/mo
Today · 4.125%
HK$73,933
baseline
▲ 0.50% · 4.625%
HK$77,830
+HK$3,897/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,866/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,060 · Scale 2, in force from 26 Feb 2026)