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$34,904
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,990
−HK$1,103/mo
Today · 4.125%
HK$37,093
baseline
▲ 0.50% · 4.625%
HK$39,350
+HK$2,257/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,186/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,830
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,872
−HK$1,056/mo
Today · 4.125%
HK$40,928
baseline
▲ 0.50% · 4.625%
HK$43,086
+HK$2,158/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,856/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,885
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,188
−HK$1,323/mo
Today · 4.125%
HK$44,511
baseline
▲ 0.50% · 4.625%
HK$47,220
+HK$2,709/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$89,022/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,596
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,846
−HK$1,268/mo
Today · 4.125%
HK$49,114
baseline
▲ 0.50% · 4.625%
HK$51,703
+HK$2,589/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,228/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,866
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,386
−HK$1,544/mo
Today · 4.125%
HK$51,930
baseline
▲ 0.50% · 4.625%
HK$55,090
+HK$3,160/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,860/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,362
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,820
−HK$1,479/mo
Today · 4.125%
HK$57,299
baseline
▲ 0.50% · 4.625%
HK$60,320
+HK$3,021/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,598/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,827
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,781
−HK$1,986/mo
Today · 4.125%
HK$66,767
baseline
▲ 0.50% · 4.625%
HK$70,830
+HK$4,063/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,534/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$574,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,895
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,769
−HK$1,902/mo
Today · 4.125%
HK$73,671
baseline
▲ 0.50% · 4.625%
HK$77,554
+HK$3,883/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,342/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$574,014 · Scale 2, in force from 26 Feb 2026)