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$34,828
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,912
−HK$1,100/mo
Today · 4.125%
HK$37,012
baseline
▲ 0.50% · 4.625%
HK$39,264
+HK$2,252/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,024/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,746
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,785
−HK$1,054/mo
Today · 4.125%
HK$40,839
baseline
▲ 0.50% · 4.625%
HK$42,992
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,678/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,794
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,094
−HK$1,321/mo
Today · 4.125%
HK$44,415
baseline
▲ 0.50% · 4.625%
HK$47,117
+HK$2,702/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,830/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,495
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,742
−HK$1,265/mo
Today · 4.125%
HK$49,007
baseline
▲ 0.50% · 4.625%
HK$51,590
+HK$2,583/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$98,014/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,760
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,276
−HK$1,541/mo
Today · 4.125%
HK$51,817
baseline
▲ 0.50% · 4.625%
HK$54,970
+HK$3,153/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,634/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,244
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,699
−HK$1,476/mo
Today · 4.125%
HK$57,175
baseline
▲ 0.50% · 4.625%
HK$60,189
+HK$3,014/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,350/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,691
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,641
−HK$1,981/mo
Today · 4.125%
HK$66,622
baseline
▲ 0.50% · 4.625%
HK$70,676
+HK$4,054/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,244/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,743
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,613
−HK$1,898/mo
Today · 4.125%
HK$73,511
baseline
▲ 0.50% · 4.625%
HK$77,386
+HK$3,875/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,022/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,769 · Scale 2, in force from 26 Feb 2026)