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$34,832
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,916
−HK$1,101/mo
Today · 4.125%
HK$37,017
baseline
▲ 0.50% · 4.625%
HK$39,269
+HK$2,252/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,034/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,751
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,790
−HK$1,054/mo
Today · 4.125%
HK$40,844
baseline
▲ 0.50% · 4.625%
HK$42,997
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,688/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,799
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,099
−HK$1,321/mo
Today · 4.125%
HK$44,420
baseline
▲ 0.50% · 4.625%
HK$47,123
+HK$2,703/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,840/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,501
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,748
−HK$1,265/mo
Today · 4.125%
HK$49,013
baseline
▲ 0.50% · 4.625%
HK$51,597
+HK$2,584/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,026/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,765
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,282
−HK$1,541/mo
Today · 4.125%
HK$51,823
baseline
▲ 0.50% · 4.625%
HK$54,977
+HK$3,154/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,646/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,251
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,706
−HK$1,476/mo
Today · 4.125%
HK$57,182
baseline
▲ 0.50% · 4.625%
HK$60,196
+HK$3,014/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,364/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,698
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,649
−HK$1,981/mo
Today · 4.125%
HK$66,630
baseline
▲ 0.50% · 4.625%
HK$70,684
+HK$4,054/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,260/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,751
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,622
−HK$1,898/mo
Today · 4.125%
HK$73,520
baseline
▲ 0.50% · 4.625%
HK$77,395
+HK$3,875/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,040/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,838 · Scale 2, in force from 26 Feb 2026)