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$34,874
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,959
−HK$1,102/mo
Today · 4.125%
HK$37,061
baseline
▲ 0.50% · 4.625%
HK$39,316
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,122/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,797
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,837
−HK$1,056/mo
Today · 4.125%
HK$40,893
baseline
▲ 0.50% · 4.625%
HK$43,048
+HK$2,155/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,786/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,849
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,150
−HK$1,323/mo
Today · 4.125%
HK$44,473
baseline
▲ 0.50% · 4.625%
HK$47,179
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,946/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,556
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,805
−HK$1,266/mo
Today · 4.125%
HK$49,071
baseline
▲ 0.50% · 4.625%
HK$51,658
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,142/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,823
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,342
−HK$1,543/mo
Today · 4.125%
HK$51,885
baseline
▲ 0.50% · 4.625%
HK$55,042
+HK$3,157/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,770/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,315
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,772
−HK$1,478/mo
Today · 4.125%
HK$57,250
baseline
▲ 0.50% · 4.625%
HK$60,268
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,500/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,773
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,725
−HK$1,984/mo
Today · 4.125%
HK$66,709
baseline
▲ 0.50% · 4.625%
HK$70,768
+HK$4,059/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,418/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,834
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,707
−HK$1,900/mo
Today · 4.125%
HK$73,607
baseline
▲ 0.50% · 4.625%
HK$77,487
+HK$3,880/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,214/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,518 · Scale 2, in force from 26 Feb 2026)