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$34,847
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,930
−HK$1,102/mo
Today · 4.125%
HK$37,032
baseline
▲ 0.50% · 4.625%
HK$39,285
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,064/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,766
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,806
−HK$1,055/mo
Today · 4.125%
HK$40,861
baseline
▲ 0.50% · 4.625%
HK$43,015
+HK$2,154/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,722/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,816
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,117
−HK$1,321/mo
Today · 4.125%
HK$44,438
baseline
▲ 0.50% · 4.625%
HK$47,142
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,876/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,520
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,767
−HK$1,266/mo
Today · 4.125%
HK$49,033
baseline
▲ 0.50% · 4.625%
HK$51,618
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,066/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,785
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,303
−HK$1,541/mo
Today · 4.125%
HK$51,844
baseline
▲ 0.50% · 4.625%
HK$54,999
+HK$3,155/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$103,688/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,273
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,729
−HK$1,476/mo
Today · 4.125%
HK$57,205
baseline
▲ 0.50% · 4.625%
HK$60,221
+HK$3,016/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$114,410/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,724
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,675
−HK$1,982/mo
Today · 4.125%
HK$66,657
baseline
▲ 0.50% · 4.625%
HK$70,713
+HK$4,056/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,314/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,780
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,651
−HK$1,898/mo
Today · 4.125%
HK$73,549
baseline
▲ 0.50% · 4.625%
HK$77,426
+HK$3,877/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,098/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,069 · Scale 2, in force from 26 Feb 2026)