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$34,889
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,974
−HK$1,102/mo
Today · 4.125%
HK$37,076
baseline
▲ 0.50% · 4.625%
HK$39,332
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,152/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,813
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,854
−HK$1,056/mo
Today · 4.125%
HK$40,910
baseline
▲ 0.50% · 4.625%
HK$43,067
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,820/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,866
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,169
−HK$1,323/mo
Today · 4.125%
HK$44,492
baseline
▲ 0.50% · 4.625%
HK$47,199
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,984/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,576
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,825
−HK$1,267/mo
Today · 4.125%
HK$49,092
baseline
▲ 0.50% · 4.625%
HK$51,680
+HK$2,588/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,184/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,844
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,363
−HK$1,544/mo
Today · 4.125%
HK$51,907
baseline
▲ 0.50% · 4.625%
HK$55,065
+HK$3,158/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,814/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,338
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,796
−HK$1,478/mo
Today · 4.125%
HK$57,274
baseline
▲ 0.50% · 4.625%
HK$60,293
+HK$3,019/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,548/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,799
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,753
−HK$1,984/mo
Today · 4.125%
HK$66,737
baseline
▲ 0.50% · 4.625%
HK$70,798
+HK$4,061/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,474/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,864
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,737
−HK$1,901/mo
Today · 4.125%
HK$73,638
baseline
▲ 0.50% · 4.625%
HK$77,520
+HK$3,882/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,276/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,760 · Scale 2, in force from 26 Feb 2026)