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$34,941
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,028
−HK$1,105/mo
Today · 4.125%
HK$37,133
baseline
▲ 0.50% · 4.625%
HK$39,392
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,266/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,872
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,915
−HK$1,057/mo
Today · 4.125%
HK$40,972
baseline
▲ 0.50% · 4.625%
HK$43,132
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,944/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,930
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,234
−HK$1,325/mo
Today · 4.125%
HK$44,559
baseline
▲ 0.50% · 4.625%
HK$47,270
+HK$2,711/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,118/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,646
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,897
−HK$1,270/mo
Today · 4.125%
HK$49,167
baseline
▲ 0.50% · 4.625%
HK$51,758
+HK$2,591/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,334/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,918
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,440
−HK$1,546/mo
Today · 4.125%
HK$51,986
baseline
▲ 0.50% · 4.625%
HK$55,149
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,972/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,421
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,880
−HK$1,481/mo
Today · 4.125%
HK$57,361
baseline
▲ 0.50% · 4.625%
HK$60,385
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,722/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,895
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,851
−HK$1,988/mo
Today · 4.125%
HK$66,839
baseline
▲ 0.50% · 4.625%
HK$70,906
+HK$4,067/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,678/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,970
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,846
−HK$1,904/mo
Today · 4.125%
HK$73,750
baseline
▲ 0.50% · 4.625%
HK$77,637
+HK$3,887/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,500/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,631 · Scale 2, in force from 26 Feb 2026)