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$34,997
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,086
−HK$1,106/mo
Today · 4.125%
HK$37,192
baseline
▲ 0.50% · 4.625%
HK$39,455
+HK$2,263/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,384/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,934
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,978
−HK$1,059/mo
Today · 4.125%
HK$41,037
baseline
▲ 0.50% · 4.625%
HK$43,200
+HK$2,163/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,074/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,996
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,303
−HK$1,327/mo
Today · 4.125%
HK$44,630
baseline
▲ 0.50% · 4.625%
HK$47,346
+HK$2,716/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,260/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,721
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,974
−HK$1,271/mo
Today · 4.125%
HK$49,245
baseline
▲ 0.50% · 4.625%
HK$51,841
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,490/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,996
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,520
−HK$1,548/mo
Today · 4.125%
HK$52,068
baseline
▲ 0.50% · 4.625%
HK$55,237
+HK$3,169/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,136/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,507
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,969
−HK$1,483/mo
Today · 4.125%
HK$57,452
baseline
▲ 0.50% · 4.625%
HK$60,481
+HK$3,029/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,904/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,995
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,954
−HK$1,991/mo
Today · 4.125%
HK$66,945
baseline
▲ 0.50% · 4.625%
HK$71,018
+HK$4,073/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,890/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,081
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,960
−HK$1,907/mo
Today · 4.125%
HK$73,867
baseline
▲ 0.50% · 4.625%
HK$77,761
+HK$3,894/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,734/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,545 · Scale 2, in force from 26 Feb 2026)