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$34,903
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,988
−HK$1,103/mo
Today · 4.125%
HK$37,091
baseline
▲ 0.50% · 4.625%
HK$39,348
+HK$2,257/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,182/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,829
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,870
−HK$1,057/mo
Today · 4.125%
HK$40,927
baseline
▲ 0.50% · 4.625%
HK$43,084
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,854/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,883
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,186
−HK$1,324/mo
Today · 4.125%
HK$44,510
baseline
▲ 0.50% · 4.625%
HK$47,218
+HK$2,708/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$89,020/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,595
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,844
−HK$1,268/mo
Today · 4.125%
HK$49,112
baseline
▲ 0.50% · 4.625%
HK$51,701
+HK$2,589/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,224/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,864
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,384
−HK$1,544/mo
Today · 4.125%
HK$51,928
baseline
▲ 0.50% · 4.625%
HK$55,088
+HK$3,160/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,856/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,360
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,818
−HK$1,479/mo
Today · 4.125%
HK$57,297
baseline
▲ 0.50% · 4.625%
HK$60,317
+HK$3,020/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,594/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,825
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,779
−HK$1,985/mo
Today · 4.125%
HK$66,764
baseline
▲ 0.50% · 4.625%
HK$70,827
+HK$4,063/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,528/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,892
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,766
−HK$1,902/mo
Today · 4.125%
HK$73,668
baseline
▲ 0.50% · 4.625%
HK$77,551
+HK$3,883/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,336/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,992 · Scale 2, in force from 26 Feb 2026)