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$34,853
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,937
−HK$1,102/mo
Today · 4.125%
HK$37,039
baseline
▲ 0.50% · 4.625%
HK$39,292
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,078/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,774
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,814
−HK$1,054/mo
Today · 4.125%
HK$40,868
baseline
▲ 0.50% · 4.625%
HK$43,023
+HK$2,155/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,736/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,824
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,125
−HK$1,321/mo
Today · 4.125%
HK$44,446
baseline
▲ 0.50% · 4.625%
HK$47,151
+HK$2,705/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,892/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,528
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,776
−HK$1,266/mo
Today · 4.125%
HK$49,042
baseline
▲ 0.50% · 4.625%
HK$51,627
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,084/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,794
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,312
−HK$1,542/mo
Today · 4.125%
HK$51,854
baseline
▲ 0.50% · 4.625%
HK$55,009
+HK$3,155/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,708/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,283
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,739
−HK$1,477/mo
Today · 4.125%
HK$57,216
baseline
▲ 0.50% · 4.625%
HK$60,232
+HK$3,016/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,432/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,735
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,687
−HK$1,983/mo
Today · 4.125%
HK$66,670
baseline
▲ 0.50% · 4.625%
HK$70,726
+HK$4,056/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,340/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,793
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,664
−HK$1,899/mo
Today · 4.125%
HK$73,563
baseline
▲ 0.50% · 4.625%
HK$77,441
+HK$3,878/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,126/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,177 · Scale 2, in force from 26 Feb 2026)