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$34,840
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,924
−HK$1,101/mo
Today · 4.125%
HK$37,025
baseline
▲ 0.50% · 4.625%
HK$39,278
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,050/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,760
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,799
−HK$1,055/mo
Today · 4.125%
HK$40,854
baseline
▲ 0.50% · 4.625%
HK$43,007
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,708/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,809
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,109
−HK$1,321/mo
Today · 4.125%
HK$44,430
baseline
▲ 0.50% · 4.625%
HK$47,134
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,860/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,512
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,759
−HK$1,265/mo
Today · 4.125%
HK$49,024
baseline
▲ 0.50% · 4.625%
HK$51,609
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,048/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,777
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,294
−HK$1,541/mo
Today · 4.125%
HK$51,835
baseline
▲ 0.50% · 4.625%
HK$54,989
+HK$3,154/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$103,670/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,263
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,719
−HK$1,476/mo
Today · 4.125%
HK$57,195
baseline
▲ 0.50% · 4.625%
HK$60,210
+HK$3,015/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$114,390/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,713
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,663
−HK$1,982/mo
Today · 4.125%
HK$66,645
baseline
▲ 0.50% · 4.625%
HK$70,701
+HK$4,056/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,290/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,767
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,638
−HK$1,899/mo
Today · 4.125%
HK$73,537
baseline
▲ 0.50% · 4.625%
HK$77,413
+HK$3,876/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,074/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,969 · Scale 2, in force from 26 Feb 2026)