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$34,943
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,030
−HK$1,105/mo
Today · 4.125%
HK$37,135
baseline
▲ 0.50% · 4.625%
HK$39,394
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,270/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,874
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,917
−HK$1,057/mo
Today · 4.125%
HK$40,974
baseline
▲ 0.50% · 4.625%
HK$43,134
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,948/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,932
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,236
−HK$1,326/mo
Today · 4.125%
HK$44,562
baseline
▲ 0.50% · 4.625%
HK$47,273
+HK$2,711/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,124/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,649
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,900
−HK$1,269/mo
Today · 4.125%
HK$49,169
baseline
▲ 0.50% · 4.625%
HK$51,761
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,338/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,921
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,442
−HK$1,546/mo
Today · 4.125%
HK$51,988
baseline
▲ 0.50% · 4.625%
HK$55,152
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,976/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,424
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,883
−HK$1,481/mo
Today · 4.125%
HK$57,364
baseline
▲ 0.50% · 4.625%
HK$60,388
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,728/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,898
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,855
−HK$1,987/mo
Today · 4.125%
HK$66,842
baseline
▲ 0.50% · 4.625%
HK$70,909
+HK$4,067/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,684/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,973
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,850
−HK$1,904/mo
Today · 4.125%
HK$73,754
baseline
▲ 0.50% · 4.625%
HK$77,642
+HK$3,888/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,508/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,662 · Scale 2, in force from 26 Feb 2026)