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$34,854
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$1,102/mo
Today · 4.125%
HK$37,040
baseline
▲ 0.50% · 4.625%
HK$39,294
+HK$2,254/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,080/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,775
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,815
−HK$1,055/mo
Today · 4.125%
HK$40,870
baseline
▲ 0.50% · 4.625%
HK$43,024
+HK$2,154/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,740/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,825
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,126
−HK$1,322/mo
Today · 4.125%
HK$44,448
baseline
▲ 0.50% · 4.625%
HK$47,152
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,896/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,530
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,778
−HK$1,266/mo
Today · 4.125%
HK$49,044
baseline
▲ 0.50% · 4.625%
HK$51,629
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,088/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,796
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,314
−HK$1,542/mo
Today · 4.125%
HK$51,856
baseline
▲ 0.50% · 4.625%
HK$55,011
+HK$3,155/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,712/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,285
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,741
−HK$1,477/mo
Today · 4.125%
HK$57,218
baseline
▲ 0.50% · 4.625%
HK$60,234
+HK$3,016/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,436/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,737
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,689
−HK$1,983/mo
Today · 4.125%
HK$66,672
baseline
▲ 0.50% · 4.625%
HK$70,728
+HK$4,056/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,344/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,795
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,667
−HK$1,898/mo
Today · 4.125%
HK$73,565
baseline
▲ 0.50% · 4.625%
HK$77,443
+HK$3,878/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,130/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,194 · Scale 2, in force from 26 Feb 2026)