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$34,942
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,029
−HK$1,105/mo
Today · 4.125%
HK$37,134
baseline
▲ 0.50% · 4.625%
HK$39,393
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,268/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,873
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,916
−HK$1,057/mo
Today · 4.125%
HK$40,973
baseline
▲ 0.50% · 4.625%
HK$43,133
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,946/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,931
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,235
−HK$1,325/mo
Today · 4.125%
HK$44,560
baseline
▲ 0.50% · 4.625%
HK$47,272
+HK$2,712/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,120/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,648
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,899
−HK$1,269/mo
Today · 4.125%
HK$49,168
baseline
▲ 0.50% · 4.625%
HK$51,760
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,336/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,919
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,441
−HK$1,546/mo
Today · 4.125%
HK$51,987
baseline
▲ 0.50% · 4.625%
HK$55,150
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,974/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,422
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,882
−HK$1,481/mo
Today · 4.125%
HK$57,363
baseline
▲ 0.50% · 4.625%
HK$60,386
+HK$3,023/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,726/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,896
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,853
−HK$1,987/mo
Today · 4.125%
HK$66,840
baseline
▲ 0.50% · 4.625%
HK$70,908
+HK$4,068/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,680/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,972
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,848
−HK$1,904/mo
Today · 4.125%
HK$73,752
baseline
▲ 0.50% · 4.625%
HK$77,639
+HK$3,887/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,504/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,647 · Scale 2, in force from 26 Feb 2026)