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$34,893
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,979
−HK$1,102/mo
Today · 4.125%
HK$37,081
baseline
▲ 0.50% · 4.625%
HK$39,338
+HK$2,257/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,162/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,818
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,859
−HK$1,057/mo
Today · 4.125%
HK$40,916
baseline
▲ 0.50% · 4.625%
HK$43,072
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,832/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,872
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,174
−HK$1,324/mo
Today · 4.125%
HK$44,498
baseline
▲ 0.50% · 4.625%
HK$47,205
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,996/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,582
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,831
−HK$1,268/mo
Today · 4.125%
HK$49,099
baseline
▲ 0.50% · 4.625%
HK$51,687
+HK$2,588/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,198/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,851
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,370
−HK$1,544/mo
Today · 4.125%
HK$51,914
baseline
▲ 0.50% · 4.625%
HK$55,073
+HK$3,159/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,828/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,346
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,803
−HK$1,479/mo
Today · 4.125%
HK$57,282
baseline
▲ 0.50% · 4.625%
HK$60,301
+HK$3,019/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,564/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,808
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,762
−HK$1,984/mo
Today · 4.125%
HK$66,746
baseline
▲ 0.50% · 4.625%
HK$70,808
+HK$4,062/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,492/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,873
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,747
−HK$1,901/mo
Today · 4.125%
HK$73,648
baseline
▲ 0.50% · 4.625%
HK$77,530
+HK$3,882/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,296/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,838 · Scale 2, in force from 26 Feb 2026)