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$35,046
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,136
−HK$1,107/mo
Today · 4.125%
HK$37,243
baseline
▲ 0.50% · 4.625%
HK$39,509
+HK$2,266/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,486/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,988
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,033
−HK$1,061/mo
Today · 4.125%
HK$41,094
baseline
▲ 0.50% · 4.625%
HK$43,260
+HK$2,166/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,188/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,055
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,363
−HK$1,329/mo
Today · 4.125%
HK$44,692
baseline
▲ 0.50% · 4.625%
HK$47,411
+HK$2,719/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,384/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,785
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,040
−HK$1,273/mo
Today · 4.125%
HK$49,313
baseline
▲ 0.50% · 4.625%
HK$51,912
+HK$2,599/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,626/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,064
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,590
−HK$1,550/mo
Today · 4.125%
HK$52,140
baseline
▲ 0.50% · 4.625%
HK$55,313
+HK$3,173/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,280/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,583
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,047
−HK$1,485/mo
Today · 4.125%
HK$57,532
baseline
▲ 0.50% · 4.625%
HK$60,564
+HK$3,032/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,064/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,082
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,044
−HK$1,994/mo
Today · 4.125%
HK$67,038
baseline
▲ 0.50% · 4.625%
HK$71,117
+HK$4,079/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,076/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,178
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,060
−HK$1,910/mo
Today · 4.125%
HK$73,970
baseline
▲ 0.50% · 4.625%
HK$77,869
+HK$3,899/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,940/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,342 · Scale 2, in force from 26 Feb 2026)