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$34,832
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,915
−HK$1,101/mo
Today · 4.125%
HK$37,016
baseline
▲ 0.50% · 4.625%
HK$39,268
+HK$2,252/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,032/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,750
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,789
−HK$1,055/mo
Today · 4.125%
HK$40,844
baseline
▲ 0.50% · 4.625%
HK$42,996
+HK$2,152/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,688/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,798
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,098
−HK$1,321/mo
Today · 4.125%
HK$44,419
baseline
▲ 0.50% · 4.625%
HK$47,122
+HK$2,703/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,838/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,500
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,747
−HK$1,265/mo
Today · 4.125%
HK$49,012
baseline
▲ 0.50% · 4.625%
HK$51,596
+HK$2,584/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,024/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,765
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,281
−HK$1,541/mo
Today · 4.125%
HK$51,822
baseline
▲ 0.50% · 4.625%
HK$54,976
+HK$3,154/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,644/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,250
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,705
−HK$1,476/mo
Today · 4.125%
HK$57,181
baseline
▲ 0.50% · 4.625%
HK$60,195
+HK$3,014/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,362/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,697
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,647
−HK$1,982/mo
Today · 4.125%
HK$66,629
baseline
▲ 0.50% · 4.625%
HK$70,683
+HK$4,054/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,258/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,750
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,621
−HK$1,897/mo
Today · 4.125%
HK$73,518
baseline
▲ 0.50% · 4.625%
HK$77,394
+HK$3,876/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,036/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,827 · Scale 2, in force from 26 Feb 2026)