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$34,992
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,080
−HK$1,106/mo
Today · 4.125%
HK$37,186
baseline
▲ 0.50% · 4.625%
HK$39,449
+HK$2,263/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,372/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,928
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,972
−HK$1,059/mo
Today · 4.125%
HK$41,031
baseline
▲ 0.50% · 4.625%
HK$43,194
+HK$2,163/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,062/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,990
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,296
−HK$1,327/mo
Today · 4.125%
HK$44,623
baseline
▲ 0.50% · 4.625%
HK$47,338
+HK$2,715/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,246/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,714
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,966
−HK$1,271/mo
Today · 4.125%
HK$49,237
baseline
▲ 0.50% · 4.625%
HK$51,833
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,474/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,988
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,512
−HK$1,548/mo
Today · 4.125%
HK$52,060
baseline
▲ 0.50% · 4.625%
HK$55,228
+HK$3,168/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,120/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,499
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,961
−HK$1,483/mo
Today · 4.125%
HK$57,444
baseline
▲ 0.50% · 4.625%
HK$60,471
+HK$3,027/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,888/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,985
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,944
−HK$1,991/mo
Today · 4.125%
HK$66,935
baseline
▲ 0.50% · 4.625%
HK$71,008
+HK$4,073/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,870/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,070
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,950
−HK$1,906/mo
Today · 4.125%
HK$73,856
baseline
▲ 0.50% · 4.625%
HK$77,749
+HK$3,893/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,712/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,457 · Scale 2, in force from 26 Feb 2026)