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$34,843
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,927
−HK$1,101/mo
Today · 4.125%
HK$37,028
baseline
▲ 0.50% · 4.625%
HK$39,281
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,056/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,762
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,802
−HK$1,054/mo
Today · 4.125%
HK$40,856
baseline
▲ 0.50% · 4.625%
HK$43,010
+HK$2,154/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,712/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,811
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,112
−HK$1,321/mo
Today · 4.125%
HK$44,433
baseline
▲ 0.50% · 4.625%
HK$47,137
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,866/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,515
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,762
−HK$1,266/mo
Today · 4.125%
HK$49,028
baseline
▲ 0.50% · 4.625%
HK$51,612
+HK$2,584/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,056/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,780
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,297
−HK$1,542/mo
Today · 4.125%
HK$51,839
baseline
▲ 0.50% · 4.625%
HK$54,993
+HK$3,154/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$103,678/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,267
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,722
−HK$1,477/mo
Today · 4.125%
HK$57,199
baseline
▲ 0.50% · 4.625%
HK$60,214
+HK$3,015/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$114,398/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,717
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,668
−HK$1,982/mo
Today · 4.125%
HK$66,650
baseline
▲ 0.50% · 4.625%
HK$70,705
+HK$4,055/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,300/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,772
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,643
−HK$1,899/mo
Today · 4.125%
HK$73,542
baseline
▲ 0.50% · 4.625%
HK$77,418
+HK$3,876/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,084/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,007 · Scale 2, in force from 26 Feb 2026)