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$34,862
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,947
−HK$1,101/mo
Today · 4.125%
HK$37,048
baseline
▲ 0.50% · 4.625%
HK$39,303
+HK$2,255/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,096/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,784
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,824
−HK$1,055/mo
Today · 4.125%
HK$40,879
baseline
▲ 0.50% · 4.625%
HK$43,034
+HK$2,155/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,758/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,835
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,136
−HK$1,322/mo
Today · 4.125%
HK$44,458
baseline
▲ 0.50% · 4.625%
HK$47,163
+HK$2,705/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$88,916/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,541
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,789
−HK$1,266/mo
Today · 4.125%
HK$49,055
baseline
▲ 0.50% · 4.625%
HK$51,641
+HK$2,586/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$98,110/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,807
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,325
−HK$1,543/mo
Today · 4.125%
HK$51,868
baseline
▲ 0.50% · 4.625%
HK$55,024
+HK$3,156/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,736/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,298
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,754
−HK$1,477/mo
Today · 4.125%
HK$57,231
baseline
▲ 0.50% · 4.625%
HK$60,248
+HK$3,017/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,462/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,752
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,704
−HK$1,983/mo
Today · 4.125%
HK$66,687
baseline
▲ 0.50% · 4.625%
HK$70,745
+HK$4,058/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,374/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,811
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,683
−HK$1,900/mo
Today · 4.125%
HK$73,583
baseline
▲ 0.50% · 4.625%
HK$77,461
+HK$3,878/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,166/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,329 · Scale 2, in force from 26 Feb 2026)