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$2,186/mo
▼ 0.25% · 3.875%
HK$35,957
−HK$1,102/mo
Today · 4.125%
HK$37,059
baseline
▲ 0.50% · 4.625%
HK$39,314
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,118/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,795
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,836
−HK$1,055/mo
Today · 4.125%
HK$40,891
baseline
▲ 0.50% · 4.625%
HK$43,047
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,782/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,847
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,149
−HK$1,322/mo
Today · 4.125%
HK$44,471
baseline
▲ 0.50% · 4.625%
HK$47,177
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,942/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,555
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,803
−HK$1,267/mo
Today · 4.125%
HK$49,070
baseline
▲ 0.50% · 4.625%
HK$51,656
+HK$2,586/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,140/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,822
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,340
−HK$1,543/mo
Today · 4.125%
HK$51,883
baseline
▲ 0.50% · 4.625%
HK$55,040
+HK$3,157/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,766/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,314
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,770
−HK$1,478/mo
Today · 4.125%
HK$57,248
baseline
▲ 0.50% · 4.625%
HK$60,266
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,496/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,771
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,723
−HK$1,984/mo
Today · 4.125%
HK$66,707
baseline
▲ 0.50% · 4.625%
HK$70,766
+HK$4,059/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,414/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,832
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,705
−HK$1,900/mo
Today · 4.125%
HK$73,605
baseline
▲ 0.50% · 4.625%
HK$77,484
+HK$3,879/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,210/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,499 · Scale 2, in force from 26 Feb 2026)