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$34,866
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,951
−HK$1,102/mo
Today · 4.125%
HK$37,053
baseline
▲ 0.50% · 4.625%
HK$39,307
+HK$2,254/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,106/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,789
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,829
−HK$1,055/mo
Today · 4.125%
HK$40,884
baseline
▲ 0.50% · 4.625%
HK$43,039
+HK$2,155/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,768/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,840
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,141
−HK$1,322/mo
Today · 4.125%
HK$44,463
baseline
▲ 0.50% · 4.625%
HK$47,169
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$88,926/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,546
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,795
−HK$1,266/mo
Today · 4.125%
HK$49,061
baseline
▲ 0.50% · 4.625%
HK$51,647
+HK$2,586/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$98,122/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,813
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,331
−HK$1,543/mo
Today · 4.125%
HK$51,874
baseline
▲ 0.50% · 4.625%
HK$55,030
+HK$3,156/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,748/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,304
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,760
−HK$1,478/mo
Today · 4.125%
HK$57,238
baseline
▲ 0.50% · 4.625%
HK$60,255
+HK$3,017/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,476/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,760
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,712
−HK$1,983/mo
Today · 4.125%
HK$66,695
baseline
▲ 0.50% · 4.625%
HK$70,753
+HK$4,058/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,390/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,819
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,692
−HK$1,899/mo
Today · 4.125%
HK$73,591
baseline
▲ 0.50% · 4.625%
HK$77,471
+HK$3,880/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,182/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,396 · Scale 2, in force from 26 Feb 2026)