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$34,877
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,962
−HK$1,102/mo
Today · 4.125%
HK$37,064
baseline
▲ 0.50% · 4.625%
HK$39,319
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,128/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,800
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,841
−HK$1,055/mo
Today · 4.125%
HK$40,896
baseline
▲ 0.50% · 4.625%
HK$43,052
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,792/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,852
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,154
−HK$1,323/mo
Today · 4.125%
HK$44,477
baseline
▲ 0.50% · 4.625%
HK$47,183
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,954/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,560
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,809
−HK$1,267/mo
Today · 4.125%
HK$49,076
baseline
▲ 0.50% · 4.625%
HK$51,663
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,152/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,828
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,346
−HK$1,544/mo
Today · 4.125%
HK$51,890
baseline
▲ 0.50% · 4.625%
HK$55,047
+HK$3,157/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,780/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,320
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,777
−HK$1,478/mo
Today · 4.125%
HK$57,255
baseline
▲ 0.50% · 4.625%
HK$60,273
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,510/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,778
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,731
−HK$1,984/mo
Today · 4.125%
HK$66,715
baseline
▲ 0.50% · 4.625%
HK$70,775
+HK$4,060/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,430/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,840
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,713
−HK$1,901/mo
Today · 4.125%
HK$73,614
baseline
▲ 0.50% · 4.625%
HK$77,494
+HK$3,880/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,228/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,569 · Scale 2, in force from 26 Feb 2026)