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$34,865
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,950
−HK$1,102/mo
Today · 4.125%
HK$37,052
baseline
▲ 0.50% · 4.625%
HK$39,306
+HK$2,254/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,104/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,787
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,828
−HK$1,055/mo
Today · 4.125%
HK$40,883
baseline
▲ 0.50% · 4.625%
HK$43,038
+HK$2,155/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,766/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,839
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,140
−HK$1,322/mo
Today · 4.125%
HK$44,462
baseline
▲ 0.50% · 4.625%
HK$47,168
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$88,924/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,545
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,793
−HK$1,267/mo
Today · 4.125%
HK$49,060
baseline
▲ 0.50% · 4.625%
HK$51,646
+HK$2,586/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$98,120/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,812
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,330
−HK$1,543/mo
Today · 4.125%
HK$51,873
baseline
▲ 0.50% · 4.625%
HK$55,029
+HK$3,156/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,746/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,302
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,759
−HK$1,477/mo
Today · 4.125%
HK$57,236
baseline
▲ 0.50% · 4.625%
HK$60,253
+HK$3,017/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,472/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,758
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,710
−HK$1,983/mo
Today · 4.125%
HK$66,693
baseline
▲ 0.50% · 4.625%
HK$70,751
+HK$4,058/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,386/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,817
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,690
−HK$1,899/mo
Today · 4.125%
HK$73,589
baseline
▲ 0.50% · 4.625%
HK$77,468
+HK$3,879/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,178/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,381 · Scale 2, in force from 26 Feb 2026)