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$34,873
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,958
−HK$1,102/mo
Today · 4.125%
HK$37,060
baseline
▲ 0.50% · 4.625%
HK$39,315
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,120/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,796
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,837
−HK$1,055/mo
Today · 4.125%
HK$40,892
baseline
▲ 0.50% · 4.625%
HK$43,048
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,784/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,848
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,150
−HK$1,322/mo
Today · 4.125%
HK$44,472
baseline
▲ 0.50% · 4.625%
HK$47,178
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,944/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,555
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,804
−HK$1,267/mo
Today · 4.125%
HK$49,071
baseline
▲ 0.50% · 4.625%
HK$51,657
+HK$2,586/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,142/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,823
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,341
−HK$1,543/mo
Today · 4.125%
HK$51,884
baseline
▲ 0.50% · 4.625%
HK$55,041
+HK$3,157/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,768/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,315
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,771
−HK$1,478/mo
Today · 4.125%
HK$57,249
baseline
▲ 0.50% · 4.625%
HK$60,267
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,498/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,772
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,725
−HK$1,983/mo
Today · 4.125%
HK$66,708
baseline
▲ 0.50% · 4.625%
HK$70,767
+HK$4,059/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,416/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,833
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,706
−HK$1,900/mo
Today · 4.125%
HK$73,606
baseline
▲ 0.50% · 4.625%
HK$77,486
+HK$3,880/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,212/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,510 · Scale 2, in force from 26 Feb 2026)