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$34,945
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,032
−HK$1,105/mo
Today · 4.125%
HK$37,137
baseline
▲ 0.50% · 4.625%
HK$39,396
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,274/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,876
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,919
−HK$1,058/mo
Today · 4.125%
HK$40,977
baseline
▲ 0.50% · 4.625%
HK$43,137
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,954/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,934
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,239
−HK$1,325/mo
Today · 4.125%
HK$44,564
baseline
▲ 0.50% · 4.625%
HK$47,276
+HK$2,712/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,128/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,652
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,903
−HK$1,269/mo
Today · 4.125%
HK$49,172
baseline
▲ 0.50% · 4.625%
HK$51,764
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,344/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,924
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,445
−HK$1,546/mo
Today · 4.125%
HK$51,991
baseline
▲ 0.50% · 4.625%
HK$55,155
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,982/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,427
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,887
−HK$1,480/mo
Today · 4.125%
HK$57,367
baseline
▲ 0.50% · 4.625%
HK$60,391
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,734/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,902
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,858
−HK$1,988/mo
Today · 4.125%
HK$66,846
baseline
▲ 0.50% · 4.625%
HK$70,914
+HK$4,068/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,692/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,977
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,854
−HK$1,904/mo
Today · 4.125%
HK$73,758
baseline
▲ 0.50% · 4.625%
HK$77,646
+HK$3,888/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,516/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,695 · Scale 2, in force from 26 Feb 2026)