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$34,846
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,929
−HK$1,102/mo
Today · 4.125%
HK$37,031
baseline
▲ 0.50% · 4.625%
HK$39,284
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,062/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,765
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,805
−HK$1,055/mo
Today · 4.125%
HK$40,860
baseline
▲ 0.50% · 4.625%
HK$43,013
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,720/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,815
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,115
−HK$1,322/mo
Today · 4.125%
HK$44,437
baseline
▲ 0.50% · 4.625%
HK$47,141
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,874/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,518
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,766
−HK$1,266/mo
Today · 4.125%
HK$49,032
baseline
▲ 0.50% · 4.625%
HK$51,616
+HK$2,584/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,064/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,784
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,301
−HK$1,542/mo
Today · 4.125%
HK$51,843
baseline
▲ 0.50% · 4.625%
HK$54,997
+HK$3,154/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$103,686/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,271
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,727
−HK$1,477/mo
Today · 4.125%
HK$57,204
baseline
▲ 0.50% · 4.625%
HK$60,219
+HK$3,015/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$114,408/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,722
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,673
−HK$1,982/mo
Today · 4.125%
HK$66,655
baseline
▲ 0.50% · 4.625%
HK$70,711
+HK$4,056/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,310/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,778
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,649
−HK$1,898/mo
Today · 4.125%
HK$73,547
baseline
▲ 0.50% · 4.625%
HK$77,424
+HK$3,877/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,094/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,053 · Scale 2, in force from 26 Feb 2026)