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$34,850
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,934
−HK$1,102/mo
Today · 4.125%
HK$37,036
baseline
▲ 0.50% · 4.625%
HK$39,289
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,072/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,770
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,810
−HK$1,055/mo
Today · 4.125%
HK$40,865
baseline
▲ 0.50% · 4.625%
HK$43,019
+HK$2,154/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,730/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,820
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,121
−HK$1,322/mo
Today · 4.125%
HK$44,443
baseline
▲ 0.50% · 4.625%
HK$47,147
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,886/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,525
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,772
−HK$1,266/mo
Today · 4.125%
HK$49,038
baseline
▲ 0.50% · 4.625%
HK$51,623
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,076/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,790
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,308
−HK$1,542/mo
Today · 4.125%
HK$51,850
baseline
▲ 0.50% · 4.625%
HK$55,005
+HK$3,155/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,700/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,279
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,734
−HK$1,477/mo
Today · 4.125%
HK$57,211
baseline
▲ 0.50% · 4.625%
HK$60,227
+HK$3,016/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,422/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,730
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,682
−HK$1,982/mo
Today · 4.125%
HK$66,664
baseline
▲ 0.50% · 4.625%
HK$70,720
+HK$4,056/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,328/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,787
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,658
−HK$1,899/mo
Today · 4.125%
HK$73,557
baseline
▲ 0.50% · 4.625%
HK$77,434
+HK$3,877/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,114/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,129 · Scale 2, in force from 26 Feb 2026)