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$34,935
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,022
−HK$1,104/mo
Today · 4.125%
HK$37,126
baseline
▲ 0.50% · 4.625%
HK$39,385
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,252/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,865
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,907
−HK$1,058/mo
Today · 4.125%
HK$40,965
baseline
▲ 0.50% · 4.625%
HK$43,124
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,930/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,922
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,226
−HK$1,325/mo
Today · 4.125%
HK$44,551
baseline
▲ 0.50% · 4.625%
HK$47,262
+HK$2,711/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,102/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,638
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,889
−HK$1,269/mo
Today · 4.125%
HK$49,158
baseline
▲ 0.50% · 4.625%
HK$51,749
+HK$2,591/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,316/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,909
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,431
−HK$1,545/mo
Today · 4.125%
HK$51,976
baseline
▲ 0.50% · 4.625%
HK$55,139
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$103,952/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,411
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,870
−HK$1,481/mo
Today · 4.125%
HK$57,351
baseline
▲ 0.50% · 4.625%
HK$60,374
+HK$3,023/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$114,702/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,884
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,840
−HK$1,987/mo
Today · 4.125%
HK$66,827
baseline
▲ 0.50% · 4.625%
HK$70,893
+HK$4,066/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,654/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,957
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,833
−HK$1,904/mo
Today · 4.125%
HK$73,737
baseline
▲ 0.50% · 4.625%
HK$77,624
+HK$3,887/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,474/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,529 · Scale 2, in force from 26 Feb 2026)