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$34,859
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,943
−HK$1,102/mo
Today · 4.125%
HK$37,045
baseline
▲ 0.50% · 4.625%
HK$39,299
+HK$2,254/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,090/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,780
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,820
−HK$1,055/mo
Today · 4.125%
HK$40,875
baseline
▲ 0.50% · 4.625%
HK$43,030
+HK$2,155/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,750/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,831
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,132
−HK$1,322/mo
Today · 4.125%
HK$44,454
baseline
▲ 0.50% · 4.625%
HK$47,159
+HK$2,705/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,908/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,536
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,784
−HK$1,267/mo
Today · 4.125%
HK$49,051
baseline
▲ 0.50% · 4.625%
HK$51,636
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,102/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,803
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,321
−HK$1,542/mo
Today · 4.125%
HK$51,863
baseline
▲ 0.50% · 4.625%
HK$55,019
+HK$3,156/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,726/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,292
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,749
−HK$1,477/mo
Today · 4.125%
HK$57,226
baseline
▲ 0.50% · 4.625%
HK$60,242
+HK$3,016/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,452/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,746
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,698
−HK$1,983/mo
Today · 4.125%
HK$66,681
baseline
▲ 0.50% · 4.625%
HK$70,738
+HK$4,057/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,362/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,805
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,677
−HK$1,899/mo
Today · 4.125%
HK$73,576
baseline
▲ 0.50% · 4.625%
HK$77,454
+HK$3,878/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,152/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,275 · Scale 2, in force from 26 Feb 2026)