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$34,878
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,963
−HK$1,102/mo
Today · 4.125%
HK$37,065
baseline
▲ 0.50% · 4.625%
HK$39,321
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,130/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,802
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,842
−HK$1,056/mo
Today · 4.125%
HK$40,898
baseline
▲ 0.50% · 4.625%
HK$43,054
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,796/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,854
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,156
−HK$1,322/mo
Today · 4.125%
HK$44,478
baseline
▲ 0.50% · 4.625%
HK$47,185
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,956/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,562
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,811
−HK$1,266/mo
Today · 4.125%
HK$49,077
baseline
▲ 0.50% · 4.625%
HK$51,664
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,154/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,829
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,348
−HK$1,543/mo
Today · 4.125%
HK$51,891
baseline
▲ 0.50% · 4.625%
HK$55,049
+HK$3,158/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,782/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,322
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,779
−HK$1,478/mo
Today · 4.125%
HK$57,257
baseline
▲ 0.50% · 4.625%
HK$60,275
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,514/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,781
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,733
−HK$1,985/mo
Today · 4.125%
HK$66,718
baseline
▲ 0.50% · 4.625%
HK$70,777
+HK$4,059/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,436/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,843
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,716
−HK$1,900/mo
Today · 4.125%
HK$73,616
baseline
▲ 0.50% · 4.625%
HK$77,497
+HK$3,881/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,232/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,589 · Scale 2, in force from 26 Feb 2026)