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$34,899
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,984
−HK$1,103/mo
Today · 4.125%
HK$37,087
baseline
▲ 0.50% · 4.625%
HK$39,344
+HK$2,257/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,174/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,824
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,866
−HK$1,056/mo
Today · 4.125%
HK$40,922
baseline
▲ 0.50% · 4.625%
HK$43,079
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,844/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,878
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,181
−HK$1,323/mo
Today · 4.125%
HK$44,504
baseline
▲ 0.50% · 4.625%
HK$47,212
+HK$2,708/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$89,008/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,589
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,839
−HK$1,267/mo
Today · 4.125%
HK$49,106
baseline
▲ 0.50% · 4.625%
HK$51,695
+HK$2,589/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,212/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,858
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,378
−HK$1,544/mo
Today · 4.125%
HK$51,922
baseline
▲ 0.50% · 4.625%
HK$55,081
+HK$3,159/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,844/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,354
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,812
−HK$1,479/mo
Today · 4.125%
HK$57,291
baseline
▲ 0.50% · 4.625%
HK$60,311
+HK$3,020/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,582/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,818
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,772
−HK$1,985/mo
Today · 4.125%
HK$66,757
baseline
▲ 0.50% · 4.625%
HK$70,819
+HK$4,062/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,514/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,884
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,758
−HK$1,901/mo
Today · 4.125%
HK$73,659
baseline
▲ 0.50% · 4.625%
HK$77,542
+HK$3,883/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,318/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,926 · Scale 2, in force from 26 Feb 2026)