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$34,892
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,977
−HK$1,103/mo
Today · 4.125%
HK$37,080
baseline
▲ 0.50% · 4.625%
HK$39,336
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,160/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,817
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,858
−HK$1,056/mo
Today · 4.125%
HK$40,914
baseline
▲ 0.50% · 4.625%
HK$43,070
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,828/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,870
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,172
−HK$1,324/mo
Today · 4.125%
HK$44,496
baseline
▲ 0.50% · 4.625%
HK$47,203
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,992/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,580
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,829
−HK$1,268/mo
Today · 4.125%
HK$49,097
baseline
▲ 0.50% · 4.625%
HK$51,685
+HK$2,588/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,194/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,848
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,368
−HK$1,544/mo
Today · 4.125%
HK$51,912
baseline
▲ 0.50% · 4.625%
HK$55,070
+HK$3,158/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,824/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,343
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,801
−HK$1,478/mo
Today · 4.125%
HK$57,279
baseline
▲ 0.50% · 4.625%
HK$60,299
+HK$3,020/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,558/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,805
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,759
−HK$1,985/mo
Today · 4.125%
HK$66,744
baseline
▲ 0.50% · 4.625%
HK$70,805
+HK$4,061/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,488/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,870
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,744
−HK$1,901/mo
Today · 4.125%
HK$73,645
baseline
▲ 0.50% · 4.625%
HK$77,527
+HK$3,882/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,290/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,813 · Scale 2, in force from 26 Feb 2026)