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$34,950
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,037
−HK$1,105/mo
Today · 4.125%
HK$37,142
baseline
▲ 0.50% · 4.625%
HK$39,402
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,284/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,882
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,924
−HK$1,058/mo
Today · 4.125%
HK$40,982
baseline
▲ 0.50% · 4.625%
HK$43,143
+HK$2,161/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,964/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,940
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,245
−HK$1,325/mo
Today · 4.125%
HK$44,570
baseline
▲ 0.50% · 4.625%
HK$47,282
+HK$2,712/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,140/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,658
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,909
−HK$1,270/mo
Today · 4.125%
HK$49,179
baseline
▲ 0.50% · 4.625%
HK$51,771
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,358/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,930
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,452
−HK$1,547/mo
Today · 4.125%
HK$51,999
baseline
▲ 0.50% · 4.625%
HK$55,163
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,998/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,434
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,894
−HK$1,481/mo
Today · 4.125%
HK$57,375
baseline
▲ 0.50% · 4.625%
HK$60,400
+HK$3,025/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,750/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,910
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,867
−HK$1,988/mo
Today · 4.125%
HK$66,855
baseline
▲ 0.50% · 4.625%
HK$70,923
+HK$4,068/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,710/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,987
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,864
−HK$1,904/mo
Today · 4.125%
HK$73,768
baseline
▲ 0.50% · 4.625%
HK$77,657
+HK$3,889/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,536/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,774 · Scale 2, in force from 26 Feb 2026)