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$34,934
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,020
−HK$1,104/mo
Today · 4.125%
HK$37,124
baseline
▲ 0.50% · 4.625%
HK$39,383
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,248/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,864
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,906
−HK$1,057/mo
Today · 4.125%
HK$40,963
baseline
▲ 0.50% · 4.625%
HK$43,122
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,926/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,921
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,225
−HK$1,324/mo
Today · 4.125%
HK$44,549
baseline
▲ 0.50% · 4.625%
HK$47,260
+HK$2,711/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,098/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,636
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,887
−HK$1,269/mo
Today · 4.125%
HK$49,156
baseline
▲ 0.50% · 4.625%
HK$51,747
+HK$2,591/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,312/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,907
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,429
−HK$1,545/mo
Today · 4.125%
HK$51,974
baseline
▲ 0.50% · 4.625%
HK$55,137
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$103,948/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,409
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,868
−HK$1,480/mo
Today · 4.125%
HK$57,348
baseline
▲ 0.50% · 4.625%
HK$60,371
+HK$3,023/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$114,696/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,881
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,837
−HK$1,987/mo
Today · 4.125%
HK$66,824
baseline
▲ 0.50% · 4.625%
HK$70,890
+HK$4,066/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,648/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,954
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,830
−HK$1,904/mo
Today · 4.125%
HK$73,734
baseline
▲ 0.50% · 4.625%
HK$77,620
+HK$3,886/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,468/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,505 · Scale 2, in force from 26 Feb 2026)