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$35,033
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,123
−HK$1,107/mo
Today · 4.125%
HK$37,230
baseline
▲ 0.50% · 4.625%
HK$39,495
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,460/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,974
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,019
−HK$1,060/mo
Today · 4.125%
HK$41,079
baseline
▲ 0.50% · 4.625%
HK$43,245
+HK$2,166/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,158/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,040
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,347
−HK$1,329/mo
Today · 4.125%
HK$44,676
baseline
▲ 0.50% · 4.625%
HK$47,394
+HK$2,718/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,352/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,769
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,023
−HK$1,272/mo
Today · 4.125%
HK$49,295
baseline
▲ 0.50% · 4.625%
HK$51,894
+HK$2,599/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,590/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,046
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,572
−HK$1,550/mo
Today · 4.125%
HK$52,122
baseline
▲ 0.50% · 4.625%
HK$55,293
+HK$3,171/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,244/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,563
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,027
−HK$1,484/mo
Today · 4.125%
HK$57,511
baseline
▲ 0.50% · 4.625%
HK$60,543
+HK$3,032/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$115,022/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,059
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,021
−HK$1,993/mo
Today · 4.125%
HK$67,014
baseline
▲ 0.50% · 4.625%
HK$71,091
+HK$4,077/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,028/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,153
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,034
−HK$1,909/mo
Today · 4.125%
HK$73,943
baseline
▲ 0.50% · 4.625%
HK$77,841
+HK$3,898/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,886/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,136 · Scale 2, in force from 26 Feb 2026)