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$34,954
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,042
−HK$1,104/mo
Today · 4.125%
HK$37,146
baseline
▲ 0.50% · 4.625%
HK$39,406
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,292/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,886
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,929
−HK$1,058/mo
Today · 4.125%
HK$40,987
baseline
▲ 0.50% · 4.625%
HK$43,148
+HK$2,161/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,974/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,945
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,250
−HK$1,325/mo
Today · 4.125%
HK$44,575
baseline
▲ 0.50% · 4.625%
HK$47,288
+HK$2,713/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,150/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,663
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,915
−HK$1,270/mo
Today · 4.125%
HK$49,185
baseline
▲ 0.50% · 4.625%
HK$51,777
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,370/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,936
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,458
−HK$1,547/mo
Today · 4.125%
HK$52,005
baseline
▲ 0.50% · 4.625%
HK$55,169
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$104,010/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,441
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,901
−HK$1,481/mo
Today · 4.125%
HK$57,382
baseline
▲ 0.50% · 4.625%
HK$60,407
+HK$3,025/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,764/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,918
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,875
−HK$1,988/mo
Today · 4.125%
HK$66,863
baseline
▲ 0.50% · 4.625%
HK$70,932
+HK$4,069/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,726/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,995
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,872
−HK$1,905/mo
Today · 4.125%
HK$73,777
baseline
▲ 0.50% · 4.625%
HK$77,666
+HK$3,889/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,554/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,841 · Scale 2, in force from 26 Feb 2026)