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$34,834
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,918
−HK$1,101/mo
Today · 4.125%
HK$37,019
baseline
▲ 0.50% · 4.625%
HK$39,271
+HK$2,252/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,038/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,753
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,792
−HK$1,054/mo
Today · 4.125%
HK$40,846
baseline
▲ 0.50% · 4.625%
HK$42,999
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,692/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,801
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,101
−HK$1,321/mo
Today · 4.125%
HK$44,422
baseline
▲ 0.50% · 4.625%
HK$47,125
+HK$2,703/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,844/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,503
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,750
−HK$1,266/mo
Today · 4.125%
HK$49,016
baseline
▲ 0.50% · 4.625%
HK$51,599
+HK$2,583/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,032/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,768
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,285
−HK$1,541/mo
Today · 4.125%
HK$51,826
baseline
▲ 0.50% · 4.625%
HK$54,979
+HK$3,153/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,652/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,254
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,709
−HK$1,476/mo
Today · 4.125%
HK$57,185
baseline
▲ 0.50% · 4.625%
HK$60,199
+HK$3,014/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,370/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,701
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,652
−HK$1,981/mo
Today · 4.125%
HK$66,633
baseline
▲ 0.50% · 4.625%
HK$70,688
+HK$4,055/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,266/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,755
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,625
−HK$1,898/mo
Today · 4.125%
HK$73,523
baseline
▲ 0.50% · 4.625%
HK$77,399
+HK$3,876/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,046/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,866 · Scale 2, in force from 26 Feb 2026)