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$34,869
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,953
−HK$1,102/mo
Today · 4.125%
HK$37,055
baseline
▲ 0.50% · 4.625%
HK$39,310
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,110/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,791
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,832
−HK$1,055/mo
Today · 4.125%
HK$40,887
baseline
▲ 0.50% · 4.625%
HK$43,042
+HK$2,155/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,774/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,843
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,144
−HK$1,322/mo
Today · 4.125%
HK$44,466
baseline
▲ 0.50% · 4.625%
HK$47,172
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$88,932/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,549
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,798
−HK$1,266/mo
Today · 4.125%
HK$49,064
baseline
▲ 0.50% · 4.625%
HK$51,651
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$98,128/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,816
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,335
−HK$1,543/mo
Today · 4.125%
HK$51,878
baseline
▲ 0.50% · 4.625%
HK$55,034
+HK$3,156/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,756/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,308
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,764
−HK$1,478/mo
Today · 4.125%
HK$57,242
baseline
▲ 0.50% · 4.625%
HK$60,259
+HK$3,017/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,484/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,764
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,716
−HK$1,984/mo
Today · 4.125%
HK$66,700
baseline
▲ 0.50% · 4.625%
HK$70,758
+HK$4,058/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,400/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,824
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,697
−HK$1,900/mo
Today · 4.125%
HK$73,597
baseline
▲ 0.50% · 4.625%
HK$77,476
+HK$3,879/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,194/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,436 · Scale 2, in force from 26 Feb 2026)