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$34,950
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,038
−HK$1,104/mo
Today · 4.125%
HK$37,142
baseline
▲ 0.50% · 4.625%
HK$39,402
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,284/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,882
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,925
−HK$1,058/mo
Today · 4.125%
HK$40,983
baseline
▲ 0.50% · 4.625%
HK$43,143
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,966/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,940
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,245
−HK$1,326/mo
Today · 4.125%
HK$44,571
baseline
▲ 0.50% · 4.625%
HK$47,283
+HK$2,712/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,142/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,658
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,910
−HK$1,269/mo
Today · 4.125%
HK$49,179
baseline
▲ 0.50% · 4.625%
HK$51,771
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,358/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,931
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,453
−HK$1,546/mo
Today · 4.125%
HK$51,999
baseline
▲ 0.50% · 4.625%
HK$55,163
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,998/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,435
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,895
−HK$1,481/mo
Today · 4.125%
HK$57,376
baseline
▲ 0.50% · 4.625%
HK$60,400
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,752/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,911
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,868
−HK$1,988/mo
Today · 4.125%
HK$66,856
baseline
▲ 0.50% · 4.625%
HK$70,924
+HK$4,068/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,712/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,988
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,865
−HK$1,904/mo
Today · 4.125%
HK$73,769
baseline
▲ 0.50% · 4.625%
HK$77,657
+HK$3,888/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,538/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,778 · Scale 2, in force from 26 Feb 2026)