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$34,981
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,069
−HK$1,105/mo
Today · 4.125%
HK$37,174
baseline
▲ 0.50% · 4.625%
HK$39,436
+HK$2,262/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,348/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,916
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,959
−HK$1,059/mo
Today · 4.125%
HK$41,018
baseline
▲ 0.50% · 4.625%
HK$43,180
+HK$2,162/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,036/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,977
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,282
−HK$1,327/mo
Today · 4.125%
HK$44,609
baseline
▲ 0.50% · 4.625%
HK$47,323
+HK$2,714/mo
Deposit HK$6.14M · loan HK$9.20M · min. income ≈ HK$89,218/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,699
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,951
−HK$1,271/mo
Today · 4.125%
HK$49,222
baseline
▲ 0.50% · 4.625%
HK$51,816
+HK$2,594/mo
Deposit HK$6.14M · loan HK$9.20M · min. income ≈ HK$98,444/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,973
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,496
−HK$1,548/mo
Today · 4.125%
HK$52,044
baseline
▲ 0.50% · 4.625%
HK$55,211
+HK$3,167/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,088/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,482
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,943
−HK$1,482/mo
Today · 4.125%
HK$57,425
baseline
▲ 0.50% · 4.625%
HK$60,452
+HK$3,027/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,850/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,965
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,924
−HK$1,990/mo
Today · 4.125%
HK$66,914
baseline
▲ 0.50% · 4.625%
HK$70,985
+HK$4,071/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,828/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,048
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,927
−HK$1,906/mo
Today · 4.125%
HK$73,833
baseline
▲ 0.50% · 4.625%
HK$77,724
+HK$3,891/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,666/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,275 · Scale 2, in force from 26 Feb 2026)