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$34,942
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,029
−HK$1,104/mo
Today · 4.125%
HK$37,133
baseline
▲ 0.50% · 4.625%
HK$39,393
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,266/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,873
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,915
−HK$1,058/mo
Today · 4.125%
HK$40,973
baseline
▲ 0.50% · 4.625%
HK$43,133
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,946/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,930
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,235
−HK$1,325/mo
Today · 4.125%
HK$44,560
baseline
▲ 0.50% · 4.625%
HK$47,271
+HK$2,711/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,120/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,647
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,898
−HK$1,269/mo
Today · 4.125%
HK$49,167
baseline
▲ 0.50% · 4.625%
HK$51,759
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,334/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,919
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,441
−HK$1,545/mo
Today · 4.125%
HK$51,986
baseline
▲ 0.50% · 4.625%
HK$55,150
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,972/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,422
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,881
−HK$1,481/mo
Today · 4.125%
HK$57,362
baseline
▲ 0.50% · 4.625%
HK$60,386
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,724/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,896
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,852
−HK$1,988/mo
Today · 4.125%
HK$66,840
baseline
▲ 0.50% · 4.625%
HK$70,907
+HK$4,067/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,680/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,971
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,847
−HK$1,904/mo
Today · 4.125%
HK$73,751
baseline
▲ 0.50% · 4.625%
HK$77,639
+HK$3,888/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,502/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,640 · Scale 2, in force from 26 Feb 2026)