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$34,874
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,959
−HK$1,102/mo
Today · 4.125%
HK$37,061
baseline
▲ 0.50% · 4.625%
HK$39,316
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,122/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,797
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,838
−HK$1,056/mo
Today · 4.125%
HK$40,894
baseline
▲ 0.50% · 4.625%
HK$43,049
+HK$2,155/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,788/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,849
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,151
−HK$1,323/mo
Today · 4.125%
HK$44,474
baseline
▲ 0.50% · 4.625%
HK$47,180
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,948/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,557
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,806
−HK$1,266/mo
Today · 4.125%
HK$49,072
baseline
▲ 0.50% · 4.625%
HK$51,659
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,144/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,824
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,343
−HK$1,543/mo
Today · 4.125%
HK$51,886
baseline
▲ 0.50% · 4.625%
HK$55,043
+HK$3,157/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,772/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,316
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,773
−HK$1,478/mo
Today · 4.125%
HK$57,251
baseline
▲ 0.50% · 4.625%
HK$60,269
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,502/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,774
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,727
−HK$1,983/mo
Today · 4.125%
HK$66,710
baseline
▲ 0.50% · 4.625%
HK$70,770
+HK$4,060/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,420/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,835
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,708
−HK$1,900/mo
Today · 4.125%
HK$73,608
baseline
▲ 0.50% · 4.625%
HK$77,488
+HK$3,880/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,216/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,528 · Scale 2, in force from 26 Feb 2026)