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$34,966
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,054
−HK$1,105/mo
Today · 4.125%
HK$37,159
baseline
▲ 0.50% · 4.625%
HK$39,420
+HK$2,261/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,318/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,900
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,943
−HK$1,058/mo
Today · 4.125%
HK$41,001
baseline
▲ 0.50% · 4.625%
HK$43,162
+HK$2,161/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,002/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,960
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,265
−HK$1,326/mo
Today · 4.125%
HK$44,591
baseline
▲ 0.50% · 4.625%
HK$47,304
+HK$2,713/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,182/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,680
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,931
−HK$1,270/mo
Today · 4.125%
HK$49,201
baseline
▲ 0.50% · 4.625%
HK$51,795
+HK$2,594/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,402/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,953
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,475
−HK$1,548/mo
Today · 4.125%
HK$52,023
baseline
▲ 0.50% · 4.625%
HK$55,188
+HK$3,165/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$104,046/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,459
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,920
−HK$1,482/mo
Today · 4.125%
HK$57,402
baseline
▲ 0.50% · 4.625%
HK$60,427
+HK$3,025/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,804/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,939
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,897
−HK$1,989/mo
Today · 4.125%
HK$66,886
baseline
▲ 0.50% · 4.625%
HK$70,956
+HK$4,070/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,772/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,019
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,897
−HK$1,905/mo
Today · 4.125%
HK$73,802
baseline
▲ 0.50% · 4.625%
HK$77,692
+HK$3,890/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,604/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,039 · Scale 2, in force from 26 Feb 2026)