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$35,025
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,114
−HK$1,107/mo
Today · 4.125%
HK$37,221
baseline
▲ 0.50% · 4.625%
HK$39,486
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,442/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,965
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,010
−HK$1,060/mo
Today · 4.125%
HK$41,070
baseline
▲ 0.50% · 4.625%
HK$43,235
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,140/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,030
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,337
−HK$1,328/mo
Today · 4.125%
HK$44,665
baseline
▲ 0.50% · 4.625%
HK$47,383
+HK$2,718/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$89,330/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,758
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,012
−HK$1,272/mo
Today · 4.125%
HK$49,284
baseline
▲ 0.50% · 4.625%
HK$51,882
+HK$2,598/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$98,568/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,035
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,560
−HK$1,550/mo
Today · 4.125%
HK$52,110
baseline
▲ 0.50% · 4.625%
HK$55,280
+HK$3,170/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,220/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,551
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,014
−HK$1,484/mo
Today · 4.125%
HK$57,498
baseline
▲ 0.50% · 4.625%
HK$60,529
+HK$3,031/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,996/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,045
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,006
−HK$1,992/mo
Today · 4.125%
HK$66,998
baseline
▲ 0.50% · 4.625%
HK$71,075
+HK$4,077/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,996/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,137
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,018
−HK$1,908/mo
Today · 4.125%
HK$73,926
baseline
▲ 0.50% · 4.625%
HK$77,823
+HK$3,897/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,852/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,002 · Scale 2, in force from 26 Feb 2026)