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$34,829
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,913
−HK$1,101/mo
Today · 4.125%
HK$37,014
baseline
▲ 0.50% · 4.625%
HK$39,266
+HK$2,252/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,028/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,747
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,787
−HK$1,054/mo
Today · 4.125%
HK$40,841
baseline
▲ 0.50% · 4.625%
HK$42,994
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,682/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,795
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,095
−HK$1,321/mo
Today · 4.125%
HK$44,416
baseline
▲ 0.50% · 4.625%
HK$47,119
+HK$2,703/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,832/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,497
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,744
−HK$1,265/mo
Today · 4.125%
HK$49,009
baseline
▲ 0.50% · 4.625%
HK$51,592
+HK$2,583/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$98,018/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,761
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,278
−HK$1,541/mo
Today · 4.125%
HK$51,819
baseline
▲ 0.50% · 4.625%
HK$54,972
+HK$3,153/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,638/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,246
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,701
−HK$1,476/mo
Today · 4.125%
HK$57,177
baseline
▲ 0.50% · 4.625%
HK$60,191
+HK$3,014/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,354/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,693
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,643
−HK$1,981/mo
Today · 4.125%
HK$66,624
baseline
▲ 0.50% · 4.625%
HK$70,678
+HK$4,054/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,248/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,745
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,616
−HK$1,898/mo
Today · 4.125%
HK$73,514
baseline
▲ 0.50% · 4.625%
HK$77,389
+HK$3,875/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,028/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,789 · Scale 2, in force from 26 Feb 2026)