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$34,945
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,032
−HK$1,104/mo
Today · 4.125%
HK$37,136
baseline
▲ 0.50% · 4.625%
HK$39,396
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,272/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,876
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,919
−HK$1,057/mo
Today · 4.125%
HK$40,976
baseline
▲ 0.50% · 4.625%
HK$43,136
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,952/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,934
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,238
−HK$1,326/mo
Today · 4.125%
HK$44,564
baseline
▲ 0.50% · 4.625%
HK$47,275
+HK$2,711/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,128/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,651
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,902
−HK$1,269/mo
Today · 4.125%
HK$49,171
baseline
▲ 0.50% · 4.625%
HK$51,763
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,342/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,923
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,445
−HK$1,546/mo
Today · 4.125%
HK$51,991
baseline
▲ 0.50% · 4.625%
HK$55,154
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,982/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,426
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,886
−HK$1,481/mo
Today · 4.125%
HK$57,367
baseline
▲ 0.50% · 4.625%
HK$60,391
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,734/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,901
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,857
−HK$1,988/mo
Today · 4.125%
HK$66,845
baseline
▲ 0.50% · 4.625%
HK$70,913
+HK$4,068/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,690/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,977
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,853
−HK$1,904/mo
Today · 4.125%
HK$73,757
baseline
▲ 0.50% · 4.625%
HK$77,645
+HK$3,888/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,514/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,688 · Scale 2, in force from 26 Feb 2026)