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$34,919
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,006
−HK$1,103/mo
Today · 4.125%
HK$37,109
baseline
▲ 0.50% · 4.625%
HK$39,367
+HK$2,258/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,218/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,848
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,889
−HK$1,057/mo
Today · 4.125%
HK$40,946
baseline
▲ 0.50% · 4.625%
HK$43,105
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,892/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,903
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,207
−HK$1,324/mo
Today · 4.125%
HK$44,531
baseline
▲ 0.50% · 4.625%
HK$47,241
+HK$2,710/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,062/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,617
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,867
−HK$1,269/mo
Today · 4.125%
HK$49,136
baseline
▲ 0.50% · 4.625%
HK$51,726
+HK$2,590/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,272/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,887
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,408
−HK$1,545/mo
Today · 4.125%
HK$51,953
baseline
▲ 0.50% · 4.625%
HK$55,114
+HK$3,161/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,906/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,387
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,845
−HK$1,480/mo
Today · 4.125%
HK$57,325
baseline
▲ 0.50% · 4.625%
HK$60,347
+HK$3,022/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,650/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,855
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,810
−HK$1,987/mo
Today · 4.125%
HK$66,797
baseline
▲ 0.50% · 4.625%
HK$70,861
+HK$4,064/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,594/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,926
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,801
−HK$1,902/mo
Today · 4.125%
HK$73,703
baseline
▲ 0.50% · 4.625%
HK$77,588
+HK$3,885/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,406/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,269 · Scale 2, in force from 26 Feb 2026)