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$34,900
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,985
−HK$1,103/mo
Today · 4.125%
HK$37,088
baseline
▲ 0.50% · 4.625%
HK$39,345
+HK$2,257/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,176/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,826
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,867
−HK$1,056/mo
Today · 4.125%
HK$40,923
baseline
▲ 0.50% · 4.625%
HK$43,080
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,846/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,880
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,182
−HK$1,324/mo
Today · 4.125%
HK$44,506
baseline
▲ 0.50% · 4.625%
HK$47,214
+HK$2,708/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$89,012/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,591
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,840
−HK$1,268/mo
Today · 4.125%
HK$49,108
baseline
▲ 0.50% · 4.625%
HK$51,697
+HK$2,589/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,216/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,860
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,380
−HK$1,544/mo
Today · 4.125%
HK$51,924
baseline
▲ 0.50% · 4.625%
HK$55,083
+HK$3,159/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,848/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,356
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,814
−HK$1,479/mo
Today · 4.125%
HK$57,293
baseline
▲ 0.50% · 4.625%
HK$60,313
+HK$3,020/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,586/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,820
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,774
−HK$1,985/mo
Today · 4.125%
HK$66,759
baseline
▲ 0.50% · 4.625%
HK$70,821
+HK$4,062/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,518/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,886
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,761
−HK$1,901/mo
Today · 4.125%
HK$73,662
baseline
▲ 0.50% · 4.625%
HK$77,545
+HK$3,883/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,324/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,946 · Scale 2, in force from 26 Feb 2026)