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$34,994
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,082
−HK$1,106/mo
Today · 4.125%
HK$37,188
baseline
▲ 0.50% · 4.625%
HK$39,451
+HK$2,263/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,376/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,930
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,974
−HK$1,059/mo
Today · 4.125%
HK$41,033
baseline
▲ 0.50% · 4.625%
HK$43,196
+HK$2,163/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,066/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,992
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,299
−HK$1,327/mo
Today · 4.125%
HK$44,626
baseline
▲ 0.50% · 4.625%
HK$47,341
+HK$2,715/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,252/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,716
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,969
−HK$1,271/mo
Today · 4.125%
HK$49,240
baseline
▲ 0.50% · 4.625%
HK$51,836
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,480/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,991
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,515
−HK$1,548/mo
Today · 4.125%
HK$52,063
baseline
▲ 0.50% · 4.625%
HK$55,231
+HK$3,168/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,126/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,502
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,964
−HK$1,483/mo
Today · 4.125%
HK$57,447
baseline
▲ 0.50% · 4.625%
HK$60,475
+HK$3,028/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,894/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,989
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,948
−HK$1,990/mo
Today · 4.125%
HK$66,938
baseline
▲ 0.50% · 4.625%
HK$71,012
+HK$4,074/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,876/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,074
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,953
−HK$1,907/mo
Today · 4.125%
HK$73,860
baseline
▲ 0.50% · 4.625%
HK$77,753
+HK$3,893/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,720/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,489 · Scale 2, in force from 26 Feb 2026)