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$34,917
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,003
−HK$1,104/mo
Today · 4.125%
HK$37,107
baseline
▲ 0.50% · 4.625%
HK$39,365
+HK$2,258/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,214/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,845
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,887
−HK$1,057/mo
Today · 4.125%
HK$40,944
baseline
▲ 0.50% · 4.625%
HK$43,102
+HK$2,158/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,888/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,901
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,204
−HK$1,324/mo
Today · 4.125%
HK$44,528
baseline
▲ 0.50% · 4.625%
HK$47,238
+HK$2,710/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,056/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,614
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,864
−HK$1,268/mo
Today · 4.125%
HK$49,132
baseline
▲ 0.50% · 4.625%
HK$51,722
+HK$2,590/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,264/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,884
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,405
−HK$1,545/mo
Today · 4.125%
HK$51,950
baseline
▲ 0.50% · 4.625%
HK$55,111
+HK$3,161/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,900/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,383
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,842
−HK$1,479/mo
Today · 4.125%
HK$57,321
baseline
▲ 0.50% · 4.625%
HK$60,343
+HK$3,022/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,642/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,851
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,806
−HK$1,986/mo
Today · 4.125%
HK$66,792
baseline
▲ 0.50% · 4.625%
HK$70,856
+HK$4,064/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,584/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,921
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,796
−HK$1,903/mo
Today · 4.125%
HK$73,699
baseline
▲ 0.50% · 4.625%
HK$77,583
+HK$3,884/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,398/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,232 · Scale 2, in force from 26 Feb 2026)