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$34,909
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,995
−HK$1,103/mo
Today · 4.125%
HK$37,098
baseline
▲ 0.50% · 4.625%
HK$39,355
+HK$2,257/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,196/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,836
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,878
−HK$1,056/mo
Today · 4.125%
HK$40,934
baseline
▲ 0.50% · 4.625%
HK$43,092
+HK$2,158/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,868/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,891
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,194
−HK$1,324/mo
Today · 4.125%
HK$44,518
baseline
▲ 0.50% · 4.625%
HK$47,227
+HK$2,709/mo
Deposit HK$6.12M · loan HK$9.19M · min. income ≈ HK$89,036/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,603
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,853
−HK$1,268/mo
Today · 4.125%
HK$49,121
baseline
▲ 0.50% · 4.625%
HK$51,710
+HK$2,589/mo
Deposit HK$6.12M · loan HK$9.19M · min. income ≈ HK$98,242/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,873
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,393
−HK$1,544/mo
Today · 4.125%
HK$51,937
baseline
▲ 0.50% · 4.625%
HK$55,098
+HK$3,161/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,874/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,370
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,829
−HK$1,479/mo
Today · 4.125%
HK$57,308
baseline
▲ 0.50% · 4.625%
HK$60,329
+HK$3,021/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,616/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,836
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,791
−HK$1,986/mo
Today · 4.125%
HK$66,777
baseline
▲ 0.50% · 4.625%
HK$70,840
+HK$4,063/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,554/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,905
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,780
−HK$1,901/mo
Today · 4.125%
HK$73,681
baseline
▲ 0.50% · 4.625%
HK$77,565
+HK$3,884/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,362/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,098 · Scale 2, in force from 26 Feb 2026)