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$34,889
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,974
−HK$1,103/mo
Today · 4.125%
HK$37,077
baseline
▲ 0.50% · 4.625%
HK$39,333
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,154/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,814
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,855
−HK$1,056/mo
Today · 4.125%
HK$40,911
baseline
▲ 0.50% · 4.625%
HK$43,067
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,822/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,867
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,169
−HK$1,323/mo
Today · 4.125%
HK$44,492
baseline
▲ 0.50% · 4.625%
HK$47,200
+HK$2,708/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,984/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,577
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,826
−HK$1,267/mo
Today · 4.125%
HK$49,093
baseline
▲ 0.50% · 4.625%
HK$51,681
+HK$2,588/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,186/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,845
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,364
−HK$1,544/mo
Today · 4.125%
HK$51,908
baseline
▲ 0.50% · 4.625%
HK$55,066
+HK$3,158/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,816/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,339
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,797
−HK$1,478/mo
Today · 4.125%
HK$57,275
baseline
▲ 0.50% · 4.625%
HK$60,294
+HK$3,019/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,550/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,800
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,754
−HK$1,985/mo
Today · 4.125%
HK$66,739
baseline
▲ 0.50% · 4.625%
HK$70,799
+HK$4,060/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,478/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,865
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,739
−HK$1,900/mo
Today · 4.125%
HK$73,639
baseline
▲ 0.50% · 4.625%
HK$77,521
+HK$3,882/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,278/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,771 · Scale 2, in force from 26 Feb 2026)