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$34,951
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,038
−HK$1,105/mo
Today · 4.125%
HK$37,143
baseline
▲ 0.50% · 4.625%
HK$39,403
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,286/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,883
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,926
−HK$1,057/mo
Today · 4.125%
HK$40,983
baseline
▲ 0.50% · 4.625%
HK$43,144
+HK$2,161/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$574,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,941
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,246
−HK$1,325/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$574,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,659
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,911
−HK$1,269/mo
Today · 4.125%
HK$49,180
baseline
▲ 0.50% · 4.625%
HK$51,772
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,360/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,931
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,454
−HK$1,546/mo
Today · 4.125%
HK$52,000
baseline
▲ 0.50% · 4.625%
HK$55,164
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$104,000/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,436
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,896
−HK$1,481/mo
Today · 4.125%
HK$57,377
baseline
▲ 0.50% · 4.625%
HK$60,401
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,754/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,912
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,869
−HK$1,988/mo
Today · 4.125%
HK$66,857
baseline
▲ 0.50% · 4.625%
HK$70,925
+HK$4,068/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,714/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,989
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,866
−HK$1,904/mo
Today · 4.125%
HK$73,770
baseline
▲ 0.50% · 4.625%
HK$77,659
+HK$3,889/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,540/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,789 · Scale 2, in force from 26 Feb 2026)