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$35,004
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,093
−HK$1,106/mo
Today · 4.125%
HK$37,199
baseline
▲ 0.50% · 4.625%
HK$39,462
+HK$2,263/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,398/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,941
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,986
−HK$1,059/mo
Today · 4.125%
HK$41,045
baseline
▲ 0.50% · 4.625%
HK$43,209
+HK$2,164/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,090/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,004
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,311
−HK$1,327/mo
Today · 4.125%
HK$44,638
baseline
▲ 0.50% · 4.625%
HK$47,355
+HK$2,717/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,276/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,730
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,983
−HK$1,271/mo
Today · 4.125%
HK$49,254
baseline
▲ 0.50% · 4.625%
HK$51,850
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,508/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,005
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,530
−HK$1,548/mo
Today · 4.125%
HK$52,078
baseline
▲ 0.50% · 4.625%
HK$55,247
+HK$3,169/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,156/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,518
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,980
−HK$1,483/mo
Today · 4.125%
HK$57,463
baseline
▲ 0.50% · 4.625%
HK$60,492
+HK$3,029/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,926/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,007
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,967
−HK$1,991/mo
Today · 4.125%
HK$66,958
baseline
▲ 0.50% · 4.625%
HK$71,032
+HK$4,074/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,916/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,094
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,974
−HK$1,907/mo
Today · 4.125%
HK$73,881
baseline
▲ 0.50% · 4.625%
HK$77,776
+HK$3,895/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,762/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,655 · Scale 2, in force from 26 Feb 2026)