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$34,955
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,042
−HK$1,105/mo
Today · 4.125%
HK$37,147
baseline
▲ 0.50% · 4.625%
HK$39,407
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,294/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,887
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,930
−HK$1,058/mo
Today · 4.125%
HK$40,988
baseline
▲ 0.50% · 4.625%
HK$43,148
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,976/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,946
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,251
−HK$1,325/mo
Today · 4.125%
HK$44,576
baseline
▲ 0.50% · 4.625%
HK$47,289
+HK$2,713/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,152/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,664
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,916
−HK$1,269/mo
Today · 4.125%
HK$49,185
baseline
▲ 0.50% · 4.625%
HK$51,778
+HK$2,593/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,370/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,937
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,459
−HK$1,547/mo
Today · 4.125%
HK$52,006
baseline
▲ 0.50% · 4.625%
HK$55,170
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$104,012/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,442
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,902
−HK$1,481/mo
Today · 4.125%
HK$57,383
baseline
▲ 0.50% · 4.625%
HK$60,408
+HK$3,025/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,766/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,919
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,876
−HK$1,988/mo
Today · 4.125%
HK$66,864
baseline
▲ 0.50% · 4.625%
HK$70,933
+HK$4,069/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,728/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,996
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,874
−HK$1,904/mo
Today · 4.125%
HK$73,778
baseline
▲ 0.50% · 4.625%
HK$77,667
+HK$3,889/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,556/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,851 · Scale 2, in force from 26 Feb 2026)