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$34,979
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,067
−HK$1,106/mo
Today · 4.125%
HK$37,173
baseline
▲ 0.50% · 4.625%
HK$39,434
+HK$2,261/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,346/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,914
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,957
−HK$1,059/mo
Today · 4.125%
HK$41,016
baseline
▲ 0.50% · 4.625%
HK$43,178
+HK$2,162/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,032/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,975
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,280
−HK$1,327/mo
Today · 4.125%
HK$44,607
baseline
▲ 0.50% · 4.625%
HK$47,321
+HK$2,714/mo
Deposit HK$6.14M · loan HK$9.20M · min. income ≈ HK$89,214/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,697
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,949
−HK$1,270/mo
Today · 4.125%
HK$49,219
baseline
▲ 0.50% · 4.625%
HK$51,814
+HK$2,595/mo
Deposit HK$6.14M · loan HK$9.20M · min. income ≈ HK$98,438/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,971
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,494
−HK$1,548/mo
Today · 4.125%
HK$52,042
baseline
▲ 0.50% · 4.625%
HK$55,208
+HK$3,166/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,084/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,479
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,940
−HK$1,483/mo
Today · 4.125%
HK$57,423
baseline
▲ 0.50% · 4.625%
HK$60,449
+HK$3,026/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,846/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,962
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,921
−HK$1,990/mo
Today · 4.125%
HK$66,911
baseline
▲ 0.50% · 4.625%
HK$70,982
+HK$4,071/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,822/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,045
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,923
−HK$1,906/mo
Today · 4.125%
HK$73,829
baseline
▲ 0.50% · 4.625%
HK$77,721
+HK$3,892/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,658/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,248 · Scale 2, in force from 26 Feb 2026)