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$34,980
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,068
−HK$1,105/mo
Today · 4.125%
HK$37,173
baseline
▲ 0.50% · 4.625%
HK$39,435
+HK$2,262/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,346/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,915
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,958
−HK$1,059/mo
Today · 4.125%
HK$41,017
baseline
▲ 0.50% · 4.625%
HK$43,179
+HK$2,162/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,034/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,976
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,281
−HK$1,327/mo
Today · 4.125%
HK$44,608
baseline
▲ 0.50% · 4.625%
HK$47,322
+HK$2,714/mo
Deposit HK$6.14M · loan HK$9.20M · min. income ≈ HK$89,216/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,698
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,950
−HK$1,270/mo
Today · 4.125%
HK$49,220
baseline
▲ 0.50% · 4.625%
HK$51,815
+HK$2,595/mo
Deposit HK$6.14M · loan HK$9.20M · min. income ≈ HK$98,440/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,972
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,495
−HK$1,548/mo
Today · 4.125%
HK$52,043
baseline
▲ 0.50% · 4.625%
HK$55,209
+HK$3,166/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,086/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,480
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,942
−HK$1,482/mo
Today · 4.125%
HK$57,424
baseline
▲ 0.50% · 4.625%
HK$60,451
+HK$3,027/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,848/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,964
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,922
−HK$1,990/mo
Today · 4.125%
HK$66,912
baseline
▲ 0.50% · 4.625%
HK$70,983
+HK$4,071/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,824/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,046
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,925
−HK$1,906/mo
Today · 4.125%
HK$73,831
baseline
▲ 0.50% · 4.625%
HK$77,722
+HK$3,891/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,662/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,261 · Scale 2, in force from 26 Feb 2026)