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$34,921
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,008
−HK$1,103/mo
Today · 4.125%
HK$37,111
baseline
▲ 0.50% · 4.625%
HK$39,369
+HK$2,258/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,222/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,850
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,892
−HK$1,057/mo
Today · 4.125%
HK$40,949
baseline
▲ 0.50% · 4.625%
HK$43,107
+HK$2,158/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,898/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,906
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,209
−HK$1,324/mo
Today · 4.125%
HK$44,533
baseline
▲ 0.50% · 4.625%
HK$47,243
+HK$2,710/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,066/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,620
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,870
−HK$1,268/mo
Today · 4.125%
HK$49,138
baseline
▲ 0.50% · 4.625%
HK$51,728
+HK$2,590/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,276/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,890
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,411
−HK$1,545/mo
Today · 4.125%
HK$51,956
baseline
▲ 0.50% · 4.625%
HK$55,117
+HK$3,161/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,912/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,389
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,848
−HK$1,480/mo
Today · 4.125%
HK$57,328
baseline
▲ 0.50% · 4.625%
HK$60,350
+HK$3,022/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,656/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,858
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,814
−HK$1,986/mo
Today · 4.125%
HK$66,800
baseline
▲ 0.50% · 4.625%
HK$70,865
+HK$4,065/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,600/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,929
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,805
−HK$1,902/mo
Today · 4.125%
HK$73,707
baseline
▲ 0.50% · 4.625%
HK$77,593
+HK$3,886/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,414/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,299 · Scale 2, in force from 26 Feb 2026)