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$34,947
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,034
−HK$1,104/mo
Today · 4.125%
HK$37,138
baseline
▲ 0.50% · 4.625%
HK$39,398
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,276/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,878
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,921
−HK$1,057/mo
Today · 4.125%
HK$40,978
baseline
▲ 0.50% · 4.625%
HK$43,138
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,956/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,936
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,241
−HK$1,325/mo
Today · 4.125%
HK$44,566
baseline
▲ 0.50% · 4.625%
HK$47,278
+HK$2,712/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,132/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,654
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,905
−HK$1,269/mo
Today · 4.125%
HK$49,174
baseline
▲ 0.50% · 4.625%
HK$51,766
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,348/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,926
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,447
−HK$1,547/mo
Today · 4.125%
HK$51,994
baseline
▲ 0.50% · 4.625%
HK$55,157
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,988/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,429
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,889
−HK$1,481/mo
Today · 4.125%
HK$57,370
baseline
▲ 0.50% · 4.625%
HK$60,394
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,740/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,904
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,861
−HK$1,988/mo
Today · 4.125%
HK$66,849
baseline
▲ 0.50% · 4.625%
HK$70,917
+HK$4,068/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,698/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,980
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,857
−HK$1,904/mo
Today · 4.125%
HK$73,761
baseline
▲ 0.50% · 4.625%
HK$77,649
+HK$3,888/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,522/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,719 · Scale 2, in force from 26 Feb 2026)