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$34,855
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,940
−HK$1,101/mo
Today · 4.125%
HK$37,041
baseline
▲ 0.50% · 4.625%
HK$39,295
+HK$2,254/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,082/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,776
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,816
−HK$1,055/mo
Today · 4.125%
HK$40,871
baseline
▲ 0.50% · 4.625%
HK$43,026
+HK$2,155/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,742/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,827
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,128
−HK$1,321/mo
Today · 4.125%
HK$44,449
baseline
▲ 0.50% · 4.625%
HK$47,154
+HK$2,705/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,898/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,532
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,780
−HK$1,266/mo
Today · 4.125%
HK$49,046
baseline
▲ 0.50% · 4.625%
HK$51,631
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,092/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,798
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,316
−HK$1,542/mo
Today · 4.125%
HK$51,858
baseline
▲ 0.50% · 4.625%
HK$55,013
+HK$3,155/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,716/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,287
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,743
−HK$1,477/mo
Today · 4.125%
HK$57,220
baseline
▲ 0.50% · 4.625%
HK$60,236
+HK$3,016/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,440/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,740
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,691
−HK$1,983/mo
Today · 4.125%
HK$66,674
baseline
▲ 0.50% · 4.625%
HK$70,731
+HK$4,057/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,348/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,797
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,669
−HK$1,899/mo
Today · 4.125%
HK$73,568
baseline
▲ 0.50% · 4.625%
HK$77,446
+HK$3,878/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,136/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,217 · Scale 2, in force from 26 Feb 2026)