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$34,897
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,983
−HK$1,103/mo
Today · 4.125%
HK$37,086
baseline
▲ 0.50% · 4.625%
HK$39,342
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,172/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,823
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,864
−HK$1,057/mo
Today · 4.125%
HK$40,921
baseline
▲ 0.50% · 4.625%
HK$43,078
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,842/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,877
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,180
−HK$1,323/mo
Today · 4.125%
HK$44,503
baseline
▲ 0.50% · 4.625%
HK$47,211
+HK$2,708/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$89,006/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,588
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,837
−HK$1,268/mo
Today · 4.125%
HK$49,105
baseline
▲ 0.50% · 4.625%
HK$51,693
+HK$2,588/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,210/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,856
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,376
−HK$1,544/mo
Today · 4.125%
HK$51,920
baseline
▲ 0.50% · 4.625%
HK$55,079
+HK$3,159/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,840/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,352
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,810
−HK$1,479/mo
Today · 4.125%
HK$57,289
baseline
▲ 0.50% · 4.625%
HK$60,309
+HK$3,020/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,578/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,815
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,769
−HK$1,985/mo
Today · 4.125%
HK$66,754
baseline
▲ 0.50% · 4.625%
HK$70,816
+HK$4,062/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,508/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,881
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,756
−HK$1,901/mo
Today · 4.125%
HK$73,657
baseline
▲ 0.50% · 4.625%
HK$77,540
+HK$3,883/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,314/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,907 · Scale 2, in force from 26 Feb 2026)