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$34,907
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,993
−HK$1,103/mo
Today · 4.125%
HK$37,096
baseline
▲ 0.50% · 4.625%
HK$39,353
+HK$2,257/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,192/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,834
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,875
−HK$1,057/mo
Today · 4.125%
HK$40,932
baseline
▲ 0.50% · 4.625%
HK$43,090
+HK$2,158/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,864/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,889
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,192
−HK$1,323/mo
Today · 4.125%
HK$44,515
baseline
▲ 0.50% · 4.625%
HK$47,224
+HK$2,709/mo
Deposit HK$6.12M · loan HK$9.19M · min. income ≈ HK$89,030/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,601
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,850
−HK$1,268/mo
Today · 4.125%
HK$49,118
baseline
▲ 0.50% · 4.625%
HK$51,707
+HK$2,589/mo
Deposit HK$6.12M · loan HK$9.19M · min. income ≈ HK$98,236/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,870
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,390
−HK$1,545/mo
Today · 4.125%
HK$51,935
baseline
▲ 0.50% · 4.625%
HK$55,095
+HK$3,160/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,870/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,367
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,826
−HK$1,479/mo
Today · 4.125%
HK$57,305
baseline
▲ 0.50% · 4.625%
HK$60,325
+HK$3,020/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,610/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,833
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,787
−HK$1,986/mo
Today · 4.125%
HK$66,773
baseline
▲ 0.50% · 4.625%
HK$70,836
+HK$4,063/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,546/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$574,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,901
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,776
−HK$1,901/mo
Today · 4.125%
HK$73,677
baseline
▲ 0.50% · 4.625%
HK$77,561
+HK$3,884/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,354/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$574,067 · Scale 2, in force from 26 Feb 2026)