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$34,833
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,917
−HK$1,100/mo
Today · 4.125%
HK$37,017
baseline
▲ 0.50% · 4.625%
HK$39,270
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,034/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,752
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,791
−HK$1,054/mo
Today · 4.125%
HK$40,845
baseline
▲ 0.50% · 4.625%
HK$42,998
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,690/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,800
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,100
−HK$1,321/mo
Today · 4.125%
HK$44,421
baseline
▲ 0.50% · 4.625%
HK$47,124
+HK$2,703/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,842/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,502
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,749
−HK$1,265/mo
Today · 4.125%
HK$49,014
baseline
▲ 0.50% · 4.625%
HK$51,598
+HK$2,584/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,028/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,766
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,283
−HK$1,541/mo
Today · 4.125%
HK$51,824
baseline
▲ 0.50% · 4.625%
HK$54,978
+HK$3,154/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,648/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,252
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,707
−HK$1,476/mo
Today · 4.125%
HK$57,183
baseline
▲ 0.50% · 4.625%
HK$60,197
+HK$3,014/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,366/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,700
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,650
−HK$1,981/mo
Today · 4.125%
HK$66,631
baseline
▲ 0.50% · 4.625%
HK$70,686
+HK$4,055/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,262/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,753
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,623
−HK$1,898/mo
Today · 4.125%
HK$73,521
baseline
▲ 0.50% · 4.625%
HK$77,397
+HK$3,876/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,042/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,850 · Scale 2, in force from 26 Feb 2026)