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$34,879
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,963
−HK$1,103/mo
Today · 4.125%
HK$37,066
baseline
▲ 0.50% · 4.625%
HK$39,321
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,132/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,802
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,843
−HK$1,055/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$573,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,854
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,156
−HK$1,323/mo
Today · 4.125%
HK$44,479
baseline
▲ 0.50% · 4.625%
HK$47,185
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,958/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,562
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,811
−HK$1,267/mo
Today · 4.125%
HK$49,078
baseline
▲ 0.50% · 4.625%
HK$51,665
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,156/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,830
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,349
−HK$1,543/mo
Today · 4.125%
HK$51,892
baseline
▲ 0.50% · 4.625%
HK$55,050
+HK$3,158/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,784/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,323
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,780
−HK$1,478/mo
Today · 4.125%
HK$57,258
baseline
▲ 0.50% · 4.625%
HK$60,276
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,516/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,781
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,734
−HK$1,984/mo
Today · 4.125%
HK$66,718
baseline
▲ 0.50% · 4.625%
HK$70,778
+HK$4,060/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$573,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,844
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,717
−HK$1,900/mo
Today · 4.125%
HK$73,617
baseline
▲ 0.50% · 4.625%
HK$77,498
+HK$3,881/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,234/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,596 · Scale 2, in force from 26 Feb 2026)