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$34,973
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,061
−HK$1,106/mo
Today · 4.125%
HK$37,167
baseline
▲ 0.50% · 4.625%
HK$39,428
+HK$2,261/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,334/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,908
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,951
−HK$1,059/mo
Today · 4.125%
HK$41,010
baseline
▲ 0.50% · 4.625%
HK$43,171
+HK$2,161/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,020/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,968
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,274
−HK$1,326/mo
Today · 4.125%
HK$44,600
baseline
▲ 0.50% · 4.625%
HK$47,314
+HK$2,714/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,200/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,689
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,941
−HK$1,271/mo
Today · 4.125%
HK$49,212
baseline
▲ 0.50% · 4.625%
HK$51,806
+HK$2,594/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,424/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,963
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,486
−HK$1,547/mo
Today · 4.125%
HK$52,033
baseline
▲ 0.50% · 4.625%
HK$55,199
+HK$3,166/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,066/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,471
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,931
−HK$1,482/mo
Today · 4.125%
HK$57,413
baseline
▲ 0.50% · 4.625%
HK$60,440
+HK$3,027/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,826/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,952
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,910
−HK$1,990/mo
Today · 4.125%
HK$66,900
baseline
▲ 0.50% · 4.625%
HK$70,970
+HK$4,070/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,800/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,034
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,912
−HK$1,905/mo
Today · 4.125%
HK$73,817
baseline
▲ 0.50% · 4.625%
HK$77,708
+HK$3,891/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,634/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,156 · Scale 2, in force from 26 Feb 2026)