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$34,949
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,036
−HK$1,105/mo
Today · 4.125%
HK$37,141
baseline
▲ 0.50% · 4.625%
HK$39,401
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,282/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,881
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,923
−HK$1,058/mo
Today · 4.125%
HK$40,981
baseline
▲ 0.50% · 4.625%
HK$43,141
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,962/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,939
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,244
−HK$1,325/mo
Today · 4.125%
HK$44,569
baseline
▲ 0.50% · 4.625%
HK$47,281
+HK$2,712/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,138/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,657
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,908
−HK$1,269/mo
Today · 4.125%
HK$49,177
baseline
▲ 0.50% · 4.625%
HK$51,770
+HK$2,593/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,354/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,929
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,451
−HK$1,546/mo
Today · 4.125%
HK$51,997
baseline
▲ 0.50% · 4.625%
HK$55,161
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,994/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,433
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,893
−HK$1,481/mo
Today · 4.125%
HK$57,374
baseline
▲ 0.50% · 4.625%
HK$60,398
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,748/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,908
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,865
−HK$1,988/mo
Today · 4.125%
HK$66,853
baseline
▲ 0.50% · 4.625%
HK$70,921
+HK$4,068/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,706/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,985
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,862
−HK$1,904/mo
Today · 4.125%
HK$73,766
baseline
▲ 0.50% · 4.625%
HK$77,654
+HK$3,888/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,532/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,757 · Scale 2, in force from 26 Feb 2026)