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$34,868
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,953
−HK$1,102/mo
Today · 4.125%
HK$37,055
baseline
▲ 0.50% · 4.625%
HK$39,309
+HK$2,254/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,110/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,790
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,831
−HK$1,055/mo
Today · 4.125%
HK$40,886
baseline
▲ 0.50% · 4.625%
HK$43,041
+HK$2,155/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,772/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,842
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,143
−HK$1,323/mo
Today · 4.125%
HK$44,466
baseline
▲ 0.50% · 4.625%
HK$47,171
+HK$2,705/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$88,932/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,549
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,797
−HK$1,266/mo
Today · 4.125%
HK$49,063
baseline
▲ 0.50% · 4.625%
HK$51,650
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$98,126/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,815
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,334
−HK$1,543/mo
Today · 4.125%
HK$51,877
baseline
▲ 0.50% · 4.625%
HK$55,033
+HK$3,156/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,754/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,307
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,763
−HK$1,478/mo
Today · 4.125%
HK$57,241
baseline
▲ 0.50% · 4.625%
HK$60,258
+HK$3,017/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,482/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,763
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,715
−HK$1,983/mo
Today · 4.125%
HK$66,698
baseline
▲ 0.50% · 4.625%
HK$70,757
+HK$4,059/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,396/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,823
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,695
−HK$1,900/mo
Today · 4.125%
HK$73,595
baseline
▲ 0.50% · 4.625%
HK$77,474
+HK$3,879/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,190/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,425 · Scale 2, in force from 26 Feb 2026)