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$34,871
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,956
−HK$1,102/mo
Today · 4.125%
HK$37,058
baseline
▲ 0.50% · 4.625%
HK$39,313
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,116/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,794
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,834
−HK$1,056/mo
Today · 4.125%
HK$40,890
baseline
▲ 0.50% · 4.625%
HK$43,045
+HK$2,155/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,780/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,845
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,147
−HK$1,323/mo
Today · 4.125%
HK$44,470
baseline
▲ 0.50% · 4.625%
HK$47,175
+HK$2,705/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,940/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,553
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,801
−HK$1,267/mo
Today · 4.125%
HK$49,068
baseline
▲ 0.50% · 4.625%
HK$51,654
+HK$2,586/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,136/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,820
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,338
−HK$1,543/mo
Today · 4.125%
HK$51,881
baseline
▲ 0.50% · 4.625%
HK$55,038
+HK$3,157/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,762/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,311
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,768
−HK$1,478/mo
Today · 4.125%
HK$57,246
baseline
▲ 0.50% · 4.625%
HK$60,263
+HK$3,017/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,492/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,768
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,721
−HK$1,983/mo
Today · 4.125%
HK$66,704
baseline
▲ 0.50% · 4.625%
HK$70,763
+HK$4,059/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,408/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,829
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,702
−HK$1,900/mo
Today · 4.125%
HK$73,602
baseline
▲ 0.50% · 4.625%
HK$77,481
+HK$3,879/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,204/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,476 · Scale 2, in force from 26 Feb 2026)