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$35,045
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,135
−HK$1,107/mo
Today · 4.125%
HK$37,242
baseline
▲ 0.50% · 4.625%
HK$39,509
+HK$2,267/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,484/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,987
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,033
−HK$1,060/mo
Today · 4.125%
HK$41,093
baseline
▲ 0.50% · 4.625%
HK$43,260
+HK$2,167/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,186/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,054
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,362
−HK$1,329/mo
Today · 4.125%
HK$44,691
baseline
▲ 0.50% · 4.625%
HK$47,410
+HK$2,719/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,382/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,784
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,039
−HK$1,273/mo
Today · 4.125%
HK$49,312
baseline
▲ 0.50% · 4.625%
HK$51,911
+HK$2,599/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,624/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,063
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,589
−HK$1,550/mo
Today · 4.125%
HK$52,139
baseline
▲ 0.50% · 4.625%
HK$55,312
+HK$3,173/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,278/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,582
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,046
−HK$1,485/mo
Today · 4.125%
HK$57,531
baseline
▲ 0.50% · 4.625%
HK$60,563
+HK$3,032/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,062/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,081
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,043
−HK$1,993/mo
Today · 4.125%
HK$67,036
baseline
▲ 0.50% · 4.625%
HK$71,115
+HK$4,079/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,072/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,177
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,059
−HK$1,909/mo
Today · 4.125%
HK$73,968
baseline
▲ 0.50% · 4.625%
HK$77,867
+HK$3,899/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,936/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,331 · Scale 2, in force from 26 Feb 2026)