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$34,991
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,079
−HK$1,106/mo
Today · 4.125%
HK$37,185
baseline
▲ 0.50% · 4.625%
HK$39,448
+HK$2,263/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,370/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,927
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,971
−HK$1,059/mo
Today · 4.125%
HK$41,030
baseline
▲ 0.50% · 4.625%
HK$43,193
+HK$2,163/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,060/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,989
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,295
−HK$1,327/mo
Today · 4.125%
HK$44,622
baseline
▲ 0.50% · 4.625%
HK$47,337
+HK$2,715/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,244/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,712
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,965
−HK$1,271/mo
Today · 4.125%
HK$49,236
baseline
▲ 0.50% · 4.625%
HK$51,831
+HK$2,595/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,472/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,987
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,511
−HK$1,548/mo
Today · 4.125%
HK$52,059
baseline
▲ 0.50% · 4.625%
HK$55,227
+HK$3,168/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,118/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,498
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,959
−HK$1,483/mo
Today · 4.125%
HK$57,442
baseline
▲ 0.50% · 4.625%
HK$60,470
+HK$3,028/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,884/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,983
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,943
−HK$1,990/mo
Today · 4.125%
HK$66,933
baseline
▲ 0.50% · 4.625%
HK$71,006
+HK$4,073/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,866/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,068
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,948
−HK$1,906/mo
Today · 4.125%
HK$73,854
baseline
▲ 0.50% · 4.625%
HK$77,747
+HK$3,893/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,708/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,442 · Scale 2, in force from 26 Feb 2026)