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$34,931
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,018
−HK$1,104/mo
Today · 4.125%
HK$37,122
baseline
▲ 0.50% · 4.625%
HK$39,380
+HK$2,258/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,244/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,861
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,903
−HK$1,057/mo
Today · 4.125%
HK$40,960
baseline
▲ 0.50% · 4.625%
HK$43,119
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,920/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,917
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,221
−HK$1,325/mo
Today · 4.125%
HK$44,546
baseline
▲ 0.50% · 4.625%
HK$47,257
+HK$2,711/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,092/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,633
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,883
−HK$1,269/mo
Today · 4.125%
HK$49,152
baseline
▲ 0.50% · 4.625%
HK$51,743
+HK$2,591/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,304/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,904
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,425
−HK$1,545/mo
Today · 4.125%
HK$51,970
baseline
▲ 0.50% · 4.625%
HK$55,133
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$103,940/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,405
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,864
−HK$1,480/mo
Today · 4.125%
HK$57,344
baseline
▲ 0.50% · 4.625%
HK$60,367
+HK$3,023/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$114,688/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,876
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,832
−HK$1,987/mo
Today · 4.125%
HK$66,819
baseline
▲ 0.50% · 4.625%
HK$70,885
+HK$4,066/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,638/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,949
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,825
−HK$1,903/mo
Today · 4.125%
HK$73,728
baseline
▲ 0.50% · 4.625%
HK$77,615
+HK$3,887/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,456/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,463 · Scale 2, in force from 26 Feb 2026)