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$34,854
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$1,101/mo
Today · 4.125%
HK$37,039
baseline
▲ 0.50% · 4.625%
HK$39,293
+HK$2,254/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,078/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,774
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,814
−HK$1,055/mo
Today · 4.125%
HK$40,869
baseline
▲ 0.50% · 4.625%
HK$43,023
+HK$2,154/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,738/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,824
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,125
−HK$1,322/mo
Today · 4.125%
HK$44,447
baseline
▲ 0.50% · 4.625%
HK$47,152
+HK$2,705/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,894/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,529
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,777
−HK$1,266/mo
Today · 4.125%
HK$49,043
baseline
▲ 0.50% · 4.625%
HK$51,628
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,086/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,795
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,313
−HK$1,542/mo
Today · 4.125%
HK$51,855
baseline
▲ 0.50% · 4.625%
HK$55,010
+HK$3,155/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,710/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,284
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,740
−HK$1,477/mo
Today · 4.125%
HK$57,217
baseline
▲ 0.50% · 4.625%
HK$60,233
+HK$3,016/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,434/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,737
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,688
−HK$1,983/mo
Today · 4.125%
HK$66,671
baseline
▲ 0.50% · 4.625%
HK$70,727
+HK$4,056/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,342/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,794
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,666
−HK$1,899/mo
Today · 4.125%
HK$73,565
baseline
▲ 0.50% · 4.625%
HK$77,442
+HK$3,877/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,130/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,187 · Scale 2, in force from 26 Feb 2026)