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$34,956
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,043
−HK$1,105/mo
Today · 4.125%
HK$37,148
baseline
▲ 0.50% · 4.625%
HK$39,408
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,296/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,888
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,931
−HK$1,058/mo
Today · 4.125%
HK$40,989
baseline
▲ 0.50% · 4.625%
HK$43,150
+HK$2,161/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,978/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,947
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,252
−HK$1,325/mo
Today · 4.125%
HK$44,577
baseline
▲ 0.50% · 4.625%
HK$47,290
+HK$2,713/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,154/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,666
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,917
−HK$1,270/mo
Today · 4.125%
HK$49,187
baseline
▲ 0.50% · 4.625%
HK$51,780
+HK$2,593/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,374/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,938
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,460
−HK$1,547/mo
Today · 4.125%
HK$52,007
baseline
▲ 0.50% · 4.625%
HK$55,172
+HK$3,165/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$104,014/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,443
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,903
−HK$1,482/mo
Today · 4.125%
HK$57,385
baseline
▲ 0.50% · 4.625%
HK$60,409
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,770/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,921
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,878
−HK$1,988/mo
Today · 4.125%
HK$66,866
baseline
▲ 0.50% · 4.625%
HK$70,935
+HK$4,069/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,732/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,998
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,876
−HK$1,904/mo
Today · 4.125%
HK$73,780
baseline
▲ 0.50% · 4.625%
HK$77,669
+HK$3,889/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,560/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,868 · Scale 2, in force from 26 Feb 2026)