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$34,924
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,010
−HK$1,104/mo
Today · 4.125%
HK$37,114
baseline
▲ 0.50% · 4.625%
HK$39,372
+HK$2,258/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,228/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,852
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,894
−HK$1,057/mo
Today · 4.125%
HK$40,951
baseline
▲ 0.50% · 4.625%
HK$43,110
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,902/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,908
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,212
−HK$1,325/mo
Today · 4.125%
HK$44,537
baseline
▲ 0.50% · 4.625%
HK$47,246
+HK$2,709/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,074/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,623
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,873
−HK$1,269/mo
Today · 4.125%
HK$49,142
baseline
▲ 0.50% · 4.625%
HK$51,732
+HK$2,590/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,284/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,893
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,414
−HK$1,545/mo
Today · 4.125%
HK$51,959
baseline
▲ 0.50% · 4.625%
HK$55,121
+HK$3,162/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,918/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,393
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,852
−HK$1,480/mo
Today · 4.125%
HK$57,332
baseline
▲ 0.50% · 4.625%
HK$60,354
+HK$3,022/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,664/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,863
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,818
−HK$1,987/mo
Today · 4.125%
HK$66,805
baseline
▲ 0.50% · 4.625%
HK$70,870
+HK$4,065/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,610/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,934
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,810
−HK$1,902/mo
Today · 4.125%
HK$73,712
baseline
▲ 0.50% · 4.625%
HK$77,598
+HK$3,886/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,424/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,339 · Scale 2, in force from 26 Feb 2026)