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$34,929
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,016
−HK$1,104/mo
Today · 4.125%
HK$37,120
baseline
▲ 0.50% · 4.625%
HK$39,378
+HK$2,258/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,240/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,859
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,901
−HK$1,057/mo
Today · 4.125%
HK$40,958
baseline
▲ 0.50% · 4.625%
HK$43,117
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,916/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,915
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,219
−HK$1,325/mo
Today · 4.125%
HK$44,544
baseline
▲ 0.50% · 4.625%
HK$47,254
+HK$2,710/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,088/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,630
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,881
−HK$1,269/mo
Today · 4.125%
HK$49,150
baseline
▲ 0.50% · 4.625%
HK$51,740
+HK$2,590/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,300/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,901
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,422
−HK$1,546/mo
Today · 4.125%
HK$51,968
baseline
▲ 0.50% · 4.625%
HK$55,130
+HK$3,162/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$103,936/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,402
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,861
−HK$1,480/mo
Today · 4.125%
HK$57,341
baseline
▲ 0.50% · 4.625%
HK$60,364
+HK$3,023/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$114,682/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,873
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,828
−HK$1,987/mo
Today · 4.125%
HK$66,815
baseline
▲ 0.50% · 4.625%
HK$70,881
+HK$4,066/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,630/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,945
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,821
−HK$1,903/mo
Today · 4.125%
HK$73,724
baseline
▲ 0.50% · 4.625%
HK$77,610
+HK$3,886/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,448/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,431 · Scale 2, in force from 26 Feb 2026)