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$34,863
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,947
−HK$1,102/mo
Today · 4.125%
HK$37,049
baseline
▲ 0.50% · 4.625%
HK$39,303
+HK$2,254/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,098/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,784
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,825
−HK$1,055/mo
Today · 4.125%
HK$40,880
baseline
▲ 0.50% · 4.625%
HK$43,035
+HK$2,155/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,760/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,835
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,137
−HK$1,322/mo
Today · 4.125%
HK$44,459
baseline
▲ 0.50% · 4.625%
HK$47,164
+HK$2,705/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$88,918/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,541
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,790
−HK$1,266/mo
Today · 4.125%
HK$49,056
baseline
▲ 0.50% · 4.625%
HK$51,642
+HK$2,586/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$98,112/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,808
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,326
−HK$1,543/mo
Today · 4.125%
HK$51,869
baseline
▲ 0.50% · 4.625%
HK$55,025
+HK$3,156/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,738/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,298
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,755
−HK$1,477/mo
Today · 4.125%
HK$57,232
baseline
▲ 0.50% · 4.625%
HK$60,249
+HK$3,017/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,464/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,753
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,705
−HK$1,983/mo
Today · 4.125%
HK$66,688
baseline
▲ 0.50% · 4.625%
HK$70,746
+HK$4,058/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,376/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,812
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,684
−HK$1,900/mo
Today · 4.125%
HK$73,584
baseline
▲ 0.50% · 4.625%
HK$77,462
+HK$3,878/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,168/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,337 · Scale 2, in force from 26 Feb 2026)