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$35,048
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,139
−HK$1,107/mo
Today · 4.125%
HK$37,246
baseline
▲ 0.50% · 4.625%
HK$39,513
+HK$2,267/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,492/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,991
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,037
−HK$1,060/mo
Today · 4.125%
HK$41,097
baseline
▲ 0.50% · 4.625%
HK$43,264
+HK$2,167/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,194/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,058
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,366
−HK$1,329/mo
Today · 4.125%
HK$44,695
baseline
▲ 0.50% · 4.625%
HK$47,415
+HK$2,720/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,390/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,789
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,044
−HK$1,273/mo
Today · 4.125%
HK$49,317
baseline
▲ 0.50% · 4.625%
HK$51,917
+HK$2,600/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,634/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,068
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,594
−HK$1,551/mo
Today · 4.125%
HK$52,145
baseline
▲ 0.50% · 4.625%
HK$55,318
+HK$3,173/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,290/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,587
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,051
−HK$1,485/mo
Today · 4.125%
HK$57,536
baseline
▲ 0.50% · 4.625%
HK$60,569
+HK$3,033/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,072/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,087
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,049
−HK$1,994/mo
Today · 4.125%
HK$67,043
baseline
▲ 0.50% · 4.625%
HK$71,123
+HK$4,080/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,086/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,184
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,066
−HK$1,909/mo
Today · 4.125%
HK$73,975
baseline
▲ 0.50% · 4.625%
HK$77,875
+HK$3,900/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,950/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,388 · Scale 2, in force from 26 Feb 2026)