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$34,908
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,994
−HK$1,103/mo
Today · 4.125%
HK$37,097
baseline
▲ 0.50% · 4.625%
HK$39,355
+HK$2,258/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,194/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,835
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,877
−HK$1,056/mo
Today · 4.125%
HK$40,933
baseline
▲ 0.50% · 4.625%
HK$43,091
+HK$2,158/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,866/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,890
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,193
−HK$1,324/mo
Today · 4.125%
HK$44,517
baseline
▲ 0.50% · 4.625%
HK$47,226
+HK$2,709/mo
Deposit HK$6.12M · loan HK$9.19M · min. income ≈ HK$89,034/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,602
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,852
−HK$1,268/mo
Today · 4.125%
HK$49,120
baseline
▲ 0.50% · 4.625%
HK$51,709
+HK$2,589/mo
Deposit HK$6.12M · loan HK$9.19M · min. income ≈ HK$98,240/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,872
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,392
−HK$1,544/mo
Today · 4.125%
HK$51,936
baseline
▲ 0.50% · 4.625%
HK$55,097
+HK$3,161/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,872/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,369
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,827
−HK$1,480/mo
Today · 4.125%
HK$57,307
baseline
▲ 0.50% · 4.625%
HK$60,327
+HK$3,020/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,614/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,835
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,789
−HK$1,986/mo
Today · 4.125%
HK$66,775
baseline
▲ 0.50% · 4.625%
HK$70,838
+HK$4,063/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,550/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$574,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,903
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,778
−HK$1,902/mo
Today · 4.125%
HK$73,680
baseline
▲ 0.50% · 4.625%
HK$77,564
+HK$3,884/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,360/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$574,086 · Scale 2, in force from 26 Feb 2026)