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$34,988
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,076
−HK$1,106/mo
Today · 4.125%
HK$37,182
baseline
▲ 0.50% · 4.625%
HK$39,444
+HK$2,262/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,364/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,923
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,967
−HK$1,059/mo
Today · 4.125%
HK$41,026
baseline
▲ 0.50% · 4.625%
HK$43,189
+HK$2,163/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,052/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,985
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,291
−HK$1,327/mo
Today · 4.125%
HK$44,618
baseline
▲ 0.50% · 4.625%
HK$47,333
+HK$2,715/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,236/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,708
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,961
−HK$1,271/mo
Today · 4.125%
HK$49,232
baseline
▲ 0.50% · 4.625%
HK$51,827
+HK$2,595/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,464/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,983
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,506
−HK$1,548/mo
Today · 4.125%
HK$52,054
baseline
▲ 0.50% · 4.625%
HK$55,222
+HK$3,168/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,108/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,493
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,954
−HK$1,483/mo
Today · 4.125%
HK$57,437
baseline
▲ 0.50% · 4.625%
HK$60,464
+HK$3,027/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,874/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,978
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,937
−HK$1,990/mo
Today · 4.125%
HK$66,927
baseline
▲ 0.50% · 4.625%
HK$70,999
+HK$4,072/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,854/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,062
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,941
−HK$1,906/mo
Today · 4.125%
HK$73,847
baseline
▲ 0.50% · 4.625%
HK$77,740
+HK$3,893/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,694/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,390 · Scale 2, in force from 26 Feb 2026)