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$34,888
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,973
−HK$1,102/mo
Today · 4.125%
HK$37,075
baseline
▲ 0.50% · 4.625%
HK$39,331
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,150/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,812
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,853
−HK$1,056/mo
Today · 4.125%
HK$40,909
baseline
▲ 0.50% · 4.625%
HK$43,066
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,818/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,865
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,168
−HK$1,323/mo
Today · 4.125%
HK$44,491
baseline
▲ 0.50% · 4.625%
HK$47,198
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,982/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,575
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,824
−HK$1,267/mo
Today · 4.125%
HK$49,091
baseline
▲ 0.50% · 4.625%
HK$51,679
+HK$2,588/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,182/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,843
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,362
−HK$1,544/mo
Today · 4.125%
HK$51,906
baseline
▲ 0.50% · 4.625%
HK$55,064
+HK$3,158/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,812/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,337
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,794
−HK$1,479/mo
Today · 4.125%
HK$57,273
baseline
▲ 0.50% · 4.625%
HK$60,292
+HK$3,019/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,546/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,798
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,751
−HK$1,985/mo
Today · 4.125%
HK$66,736
baseline
▲ 0.50% · 4.625%
HK$70,797
+HK$4,061/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,472/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,862
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,736
−HK$1,900/mo
Today · 4.125%
HK$73,636
baseline
▲ 0.50% · 4.625%
HK$77,518
+HK$3,882/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,272/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,747 · Scale 2, in force from 26 Feb 2026)