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$34,998
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,086
−HK$1,106/mo
Today · 4.125%
HK$37,192
baseline
▲ 0.50% · 4.625%
HK$39,455
+HK$2,263/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,384/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,934
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,979
−HK$1,059/mo
Today · 4.125%
HK$41,038
baseline
▲ 0.50% · 4.625%
HK$43,201
+HK$2,163/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,076/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,997
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,303
−HK$1,328/mo
Today · 4.125%
HK$44,631
baseline
▲ 0.50% · 4.625%
HK$47,346
+HK$2,715/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,262/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,721
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,974
−HK$1,272/mo
Today · 4.125%
HK$49,246
baseline
▲ 0.50% · 4.625%
HK$51,841
+HK$2,595/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,492/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,997
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,521
−HK$1,548/mo
Today · 4.125%
HK$52,069
baseline
▲ 0.50% · 4.625%
HK$55,237
+HK$3,168/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,138/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,508
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,970
−HK$1,483/mo
Today · 4.125%
HK$57,453
baseline
▲ 0.50% · 4.625%
HK$60,482
+HK$3,029/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,906/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,996
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,955
−HK$1,991/mo
Today · 4.125%
HK$66,946
baseline
▲ 0.50% · 4.625%
HK$71,020
+HK$4,074/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,892/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,082
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,962
−HK$1,906/mo
Today · 4.125%
HK$73,868
baseline
▲ 0.50% · 4.625%
HK$77,762
+HK$3,894/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,736/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,554 · Scale 2, in force from 26 Feb 2026)