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$34,940
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,027
−HK$1,104/mo
Today · 4.125%
HK$37,131
baseline
▲ 0.50% · 4.625%
HK$39,391
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,262/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,871
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,913
−HK$1,058/mo
Today · 4.125%
HK$40,971
baseline
▲ 0.50% · 4.625%
HK$43,130
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,942/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,928
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,233
−HK$1,325/mo
Today · 4.125%
HK$44,558
baseline
▲ 0.50% · 4.625%
HK$47,269
+HK$2,711/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,116/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,645
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,896
−HK$1,269/mo
Today · 4.125%
HK$49,165
baseline
▲ 0.50% · 4.625%
HK$51,757
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,330/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,916
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,438
−HK$1,546/mo
Today · 4.125%
HK$51,984
baseline
▲ 0.50% · 4.625%
HK$55,147
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,968/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,419
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,879
−HK$1,480/mo
Today · 4.125%
HK$57,359
baseline
▲ 0.50% · 4.625%
HK$60,383
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,718/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,893
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,849
−HK$1,988/mo
Today · 4.125%
HK$66,837
baseline
▲ 0.50% · 4.625%
HK$70,903
+HK$4,066/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,674/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,967
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,844
−HK$1,904/mo
Today · 4.125%
HK$73,748
baseline
▲ 0.50% · 4.625%
HK$77,635
+HK$3,887/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,496/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,613 · Scale 2, in force from 26 Feb 2026)