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$34,958
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,045
−HK$1,105/mo
Today · 4.125%
HK$37,150
baseline
▲ 0.50% · 4.625%
HK$39,411
+HK$2,261/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,300/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,890
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,933
−HK$1,059/mo
Today · 4.125%
HK$40,992
baseline
▲ 0.50% · 4.625%
HK$43,152
+HK$2,160/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$81,984/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,950
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,254
−HK$1,326/mo
Today · 4.125%
HK$44,580
baseline
▲ 0.50% · 4.625%
HK$47,293
+HK$2,713/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,160/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,668
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,920
−HK$1,270/mo
Today · 4.125%
HK$49,190
baseline
▲ 0.50% · 4.625%
HK$51,783
+HK$2,593/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,380/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,941
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,464
−HK$1,546/mo
Today · 4.125%
HK$52,010
baseline
▲ 0.50% · 4.625%
HK$55,175
+HK$3,165/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$104,020/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,447
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,907
−HK$1,481/mo
Today · 4.125%
HK$57,388
baseline
▲ 0.50% · 4.625%
HK$60,413
+HK$3,025/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,776/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,924
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,882
−HK$1,988/mo
Today · 4.125%
HK$66,870
baseline
▲ 0.50% · 4.625%
HK$70,939
+HK$4,069/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,740/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,003
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,880
−HK$1,905/mo
Today · 4.125%
HK$73,785
baseline
▲ 0.50% · 4.625%
HK$77,674
+HK$3,889/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,570/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,903 · Scale 2, in force from 26 Feb 2026)