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$34,995
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,084
−HK$1,106/mo
Today · 4.125%
HK$37,190
baseline
▲ 0.50% · 4.625%
HK$39,453
+HK$2,263/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,380/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,932
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,976
−HK$1,059/mo
Today · 4.125%
HK$41,035
baseline
▲ 0.50% · 4.625%
HK$43,198
+HK$2,163/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,070/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,994
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,300
−HK$1,328/mo
Today · 4.125%
HK$44,628
baseline
▲ 0.50% · 4.625%
HK$47,343
+HK$2,715/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,256/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,718
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,971
−HK$1,271/mo
Today · 4.125%
HK$49,242
baseline
▲ 0.50% · 4.625%
HK$51,838
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,484/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,993
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,517
−HK$1,549/mo
Today · 4.125%
HK$52,066
baseline
▲ 0.50% · 4.625%
HK$55,234
+HK$3,168/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,132/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,505
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,966
−HK$1,483/mo
Today · 4.125%
HK$57,449
baseline
▲ 0.50% · 4.625%
HK$60,477
+HK$3,028/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,898/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,991
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,951
−HK$1,990/mo
Today · 4.125%
HK$66,941
baseline
▲ 0.50% · 4.625%
HK$71,015
+HK$4,074/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,882/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,077
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,957
−HK$1,906/mo
Today · 4.125%
HK$73,863
baseline
▲ 0.50% · 4.625%
HK$77,757
+HK$3,894/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,726/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,515 · Scale 2, in force from 26 Feb 2026)