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$2,187/mo
▼ 0.25% · 3.875%
HK$35,954
−HK$1,102/mo
Today · 4.125%
HK$37,056
baseline
▲ 0.50% · 4.625%
HK$39,311
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,112/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,792
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,832
−HK$1,055/mo
Today · 4.125%
HK$40,887
baseline
▲ 0.50% · 4.625%
HK$43,043
+HK$2,156/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$573,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,843
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,145
−HK$1,322/mo
Today · 4.125%
HK$44,467
baseline
▲ 0.50% · 4.625%
HK$47,173
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,934/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,550
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,798
−HK$1,267/mo
Today · 4.125%
HK$49,065
baseline
▲ 0.50% · 4.625%
HK$51,651
+HK$2,586/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,130/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,817
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,335
−HK$1,543/mo
Today · 4.125%
HK$51,878
baseline
▲ 0.50% · 4.625%
HK$55,035
+HK$3,157/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$573,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,308
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,765
−HK$1,477/mo
Today · 4.125%
HK$57,242
baseline
▲ 0.50% · 4.625%
HK$60,260
+HK$3,018/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$573,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,765
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,717
−HK$1,983/mo
Today · 4.125%
HK$66,700
baseline
▲ 0.50% · 4.625%
HK$70,759
+HK$4,059/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$573,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,825
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,698
−HK$1,899/mo
Today · 4.125%
HK$73,597
baseline
▲ 0.50% · 4.625%
HK$77,477
+HK$3,880/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$573,443 · Scale 2, in force from 26 Feb 2026)