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$34,948
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,035
−HK$1,104/mo
Today · 4.125%
HK$37,139
baseline
▲ 0.50% · 4.625%
HK$39,399
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,278/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,879
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,922
−HK$1,057/mo
Today · 4.125%
HK$40,979
baseline
▲ 0.50% · 4.625%
HK$43,140
+HK$2,161/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,958/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,937
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,242
−HK$1,325/mo
Today · 4.125%
HK$44,567
baseline
▲ 0.50% · 4.625%
HK$47,279
+HK$2,712/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,134/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,655
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,906
−HK$1,269/mo
Today · 4.125%
HK$49,175
baseline
▲ 0.50% · 4.625%
HK$51,767
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,350/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,927
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,449
−HK$1,546/mo
Today · 4.125%
HK$51,995
baseline
▲ 0.50% · 4.625%
HK$55,159
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,990/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,431
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,890
−HK$1,481/mo
Today · 4.125%
HK$57,371
baseline
▲ 0.50% · 4.625%
HK$60,395
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,742/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,906
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,863
−HK$1,988/mo
Today · 4.125%
HK$66,851
baseline
▲ 0.50% · 4.625%
HK$70,918
+HK$4,067/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,702/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,982
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,859
−HK$1,904/mo
Today · 4.125%
HK$73,763
baseline
▲ 0.50% · 4.625%
HK$77,651
+HK$3,888/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,526/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,734 · Scale 2, in force from 26 Feb 2026)