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$34,847
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,931
−HK$1,101/mo
Today · 4.125%
HK$37,032
baseline
▲ 0.50% · 4.625%
HK$39,285
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,064/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,767
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,807
−HK$1,054/mo
Today · 4.125%
HK$40,861
baseline
▲ 0.50% · 4.625%
HK$43,015
+HK$2,154/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,722/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,816
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,117
−HK$1,321/mo
Today · 4.125%
HK$44,438
baseline
▲ 0.50% · 4.625%
HK$47,142
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,876/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,520
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,768
−HK$1,265/mo
Today · 4.125%
HK$49,033
baseline
▲ 0.50% · 4.625%
HK$51,618
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,066/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,786
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,303
−HK$1,542/mo
Today · 4.125%
HK$51,845
baseline
▲ 0.50% · 4.625%
HK$55,000
+HK$3,155/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$103,690/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,274
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,729
−HK$1,477/mo
Today · 4.125%
HK$57,206
baseline
▲ 0.50% · 4.625%
HK$60,221
+HK$3,015/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$114,412/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,724
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,675
−HK$1,983/mo
Today · 4.125%
HK$66,658
baseline
▲ 0.50% · 4.625%
HK$70,714
+HK$4,056/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,316/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,780
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,652
−HK$1,898/mo
Today · 4.125%
HK$73,550
baseline
▲ 0.50% · 4.625%
HK$77,427
+HK$3,877/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,100/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,075 · Scale 2, in force from 26 Feb 2026)