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$34,923
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,009
−HK$1,104/mo
Today · 4.125%
HK$37,113
baseline
▲ 0.50% · 4.625%
HK$39,371
+HK$2,258/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,226/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,851
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,893
−HK$1,057/mo
Today · 4.125%
HK$40,950
baseline
▲ 0.50% · 4.625%
HK$43,109
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,900/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,907
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,211
−HK$1,324/mo
Today · 4.125%
HK$44,535
baseline
▲ 0.50% · 4.625%
HK$47,245
+HK$2,710/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,070/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,622
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,872
−HK$1,268/mo
Today · 4.125%
HK$49,140
baseline
▲ 0.50% · 4.625%
HK$51,731
+HK$2,591/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,280/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,892
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,413
−HK$1,545/mo
Today · 4.125%
HK$51,958
baseline
▲ 0.50% · 4.625%
HK$55,119
+HK$3,161/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,916/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,392
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,851
−HK$1,479/mo
Today · 4.125%
HK$57,330
baseline
▲ 0.50% · 4.625%
HK$60,352
+HK$3,022/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,660/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,861
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,816
−HK$1,987/mo
Today · 4.125%
HK$66,803
baseline
▲ 0.50% · 4.625%
HK$70,868
+HK$4,065/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,606/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,932
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,808
−HK$1,903/mo
Today · 4.125%
HK$73,711
baseline
▲ 0.50% · 4.625%
HK$77,596
+HK$3,885/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,422/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,325 · Scale 2, in force from 26 Feb 2026)