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$34,845
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,929
−HK$1,101/mo
Today · 4.125%
HK$37,030
baseline
▲ 0.50% · 4.625%
HK$39,283
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,060/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,764
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,804
−HK$1,055/mo
Today · 4.125%
HK$40,859
baseline
▲ 0.50% · 4.625%
HK$43,012
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,718/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,814
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,114
−HK$1,322/mo
Today · 4.125%
HK$44,436
baseline
▲ 0.50% · 4.625%
HK$47,139
+HK$2,703/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,872/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,517
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,765
−HK$1,265/mo
Today · 4.125%
HK$49,030
baseline
▲ 0.50% · 4.625%
HK$51,615
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,060/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,783
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,300
−HK$1,542/mo
Today · 4.125%
HK$51,842
baseline
▲ 0.50% · 4.625%
HK$54,996
+HK$3,154/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$103,684/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,270
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,726
−HK$1,476/mo
Today · 4.125%
HK$57,202
baseline
▲ 0.50% · 4.625%
HK$60,217
+HK$3,015/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$114,404/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,720
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,671
−HK$1,983/mo
Today · 4.125%
HK$66,654
baseline
▲ 0.50% · 4.625%
HK$70,709
+HK$4,055/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,308/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,776
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,647
−HK$1,899/mo
Today · 4.125%
HK$73,546
baseline
▲ 0.50% · 4.625%
HK$77,422
+HK$3,876/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,092/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,039 · Scale 2, in force from 26 Feb 2026)