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$34,957
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,044
−HK$1,105/mo
Today · 4.125%
HK$37,149
baseline
▲ 0.50% · 4.625%
HK$39,409
+HK$2,260/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,298/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,889
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,932
−HK$1,058/mo
Today · 4.125%
HK$40,990
baseline
▲ 0.50% · 4.625%
HK$43,150
+HK$2,160/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$81,980/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,948
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,253
−HK$1,325/mo
Today · 4.125%
HK$44,578
baseline
▲ 0.50% · 4.625%
HK$47,291
+HK$2,713/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,156/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,667
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,918
−HK$1,270/mo
Today · 4.125%
HK$49,188
baseline
▲ 0.50% · 4.625%
HK$51,781
+HK$2,593/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,376/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,939
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,461
−HK$1,547/mo
Today · 4.125%
HK$52,008
baseline
▲ 0.50% · 4.625%
HK$55,173
+HK$3,165/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$104,016/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,444
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,904
−HK$1,482/mo
Today · 4.125%
HK$57,386
baseline
▲ 0.50% · 4.625%
HK$60,411
+HK$3,025/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,772/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,922
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,879
−HK$1,989/mo
Today · 4.125%
HK$66,868
baseline
▲ 0.50% · 4.625%
HK$70,936
+HK$4,068/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,736/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,000
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,877
−HK$1,905/mo
Today · 4.125%
HK$73,782
baseline
▲ 0.50% · 4.625%
HK$77,671
+HK$3,889/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,564/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,879 · Scale 2, in force from 26 Feb 2026)