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$34,915
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,002
−HK$1,103/mo
Today · 4.125%
HK$37,105
baseline
▲ 0.50% · 4.625%
HK$39,363
+HK$2,258/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,210/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,843
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,885
−HK$1,057/mo
Today · 4.125%
HK$40,942
baseline
▲ 0.50% · 4.625%
HK$43,100
+HK$2,158/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,884/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,899
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,202
−HK$1,324/mo
Today · 4.125%
HK$44,526
baseline
▲ 0.50% · 4.625%
HK$47,235
+HK$2,709/mo
Deposit HK$6.12M · loan HK$9.19M · min. income ≈ HK$89,052/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,612
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,862
−HK$1,268/mo
Today · 4.125%
HK$49,130
baseline
▲ 0.50% · 4.625%
HK$51,720
+HK$2,590/mo
Deposit HK$6.12M · loan HK$9.19M · min. income ≈ HK$98,260/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,882
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,402
−HK$1,545/mo
Today · 4.125%
HK$51,947
baseline
▲ 0.50% · 4.625%
HK$55,108
+HK$3,161/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,894/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,380
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,839
−HK$1,479/mo
Today · 4.125%
HK$57,318
baseline
▲ 0.50% · 4.625%
HK$60,340
+HK$3,022/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,636/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,848
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,803
−HK$1,986/mo
Today · 4.125%
HK$66,789
baseline
▲ 0.50% · 4.625%
HK$70,853
+HK$4,064/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,578/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,918
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,793
−HK$1,902/mo
Today · 4.125%
HK$73,695
baseline
▲ 0.50% · 4.625%
HK$77,580
+HK$3,885/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,390/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,203 · Scale 2, in force from 26 Feb 2026)