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$34,972
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,060
−HK$1,106/mo
Today · 4.125%
HK$37,166
baseline
▲ 0.50% · 4.625%
HK$39,427
+HK$2,261/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,332/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,907
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,950
−HK$1,059/mo
Today · 4.125%
HK$41,009
baseline
▲ 0.50% · 4.625%
HK$43,170
+HK$2,161/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,018/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,967
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,272
−HK$1,327/mo
Today · 4.125%
HK$44,599
baseline
▲ 0.50% · 4.625%
HK$47,312
+HK$2,713/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,198/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,688
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,940
−HK$1,270/mo
Today · 4.125%
HK$49,210
baseline
▲ 0.50% · 4.625%
HK$51,804
+HK$2,594/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,420/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,961
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,484
−HK$1,548/mo
Today · 4.125%
HK$52,032
baseline
▲ 0.50% · 4.625%
HK$55,198
+HK$3,166/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,064/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,469
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,930
−HK$1,482/mo
Today · 4.125%
HK$57,412
baseline
▲ 0.50% · 4.625%
HK$60,438
+HK$3,026/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,824/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,950
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,909
−HK$1,989/mo
Today · 4.125%
HK$66,898
baseline
▲ 0.50% · 4.625%
HK$70,969
+HK$4,071/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,796/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,032
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,910
−HK$1,905/mo
Today · 4.125%
HK$73,815
baseline
▲ 0.50% · 4.625%
HK$77,706
+HK$3,891/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,630/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,141 · Scale 2, in force from 26 Feb 2026)