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$34,923
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,010
−HK$1,103/mo
Today · 4.125%
HK$37,113
baseline
▲ 0.50% · 4.625%
HK$39,372
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,226/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,852
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,894
−HK$1,057/mo
Today · 4.125%
HK$40,951
baseline
▲ 0.50% · 4.625%
HK$43,110
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,902/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,908
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,212
−HK$1,324/mo
Today · 4.125%
HK$44,536
baseline
▲ 0.50% · 4.625%
HK$47,246
+HK$2,710/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,072/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,622
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,873
−HK$1,268/mo
Today · 4.125%
HK$49,141
baseline
▲ 0.50% · 4.625%
HK$51,732
+HK$2,591/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,282/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,893
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,414
−HK$1,545/mo
Today · 4.125%
HK$51,959
baseline
▲ 0.50% · 4.625%
HK$55,120
+HK$3,161/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,918/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,393
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,852
−HK$1,480/mo
Today · 4.125%
HK$57,332
baseline
▲ 0.50% · 4.625%
HK$60,354
+HK$3,022/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,664/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,862
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,818
−HK$1,986/mo
Today · 4.125%
HK$66,804
baseline
▲ 0.50% · 4.625%
HK$70,869
+HK$4,065/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,608/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,934
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,809
−HK$1,903/mo
Today · 4.125%
HK$73,712
baseline
▲ 0.50% · 4.625%
HK$77,597
+HK$3,885/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,424/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,335 · Scale 2, in force from 26 Feb 2026)