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$34,857
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,941
−HK$1,102/mo
Today · 4.125%
HK$37,043
baseline
▲ 0.50% · 4.625%
HK$39,297
+HK$2,254/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,086/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,778
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,818
−HK$1,055/mo
Today · 4.125%
HK$40,873
baseline
▲ 0.50% · 4.625%
HK$43,028
+HK$2,155/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,746/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,829
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,130
−HK$1,322/mo
Today · 4.125%
HK$44,452
baseline
▲ 0.50% · 4.625%
HK$47,156
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,904/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,534
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,782
−HK$1,266/mo
Today · 4.125%
HK$49,048
baseline
▲ 0.50% · 4.625%
HK$51,633
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,096/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,800
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,318
−HK$1,542/mo
Today · 4.125%
HK$51,860
baseline
▲ 0.50% · 4.625%
HK$55,016
+HK$3,156/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,720/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,290
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,746
−HK$1,477/mo
Today · 4.125%
HK$57,223
baseline
▲ 0.50% · 4.625%
HK$60,239
+HK$3,016/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,446/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,743
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,695
−HK$1,983/mo
Today · 4.125%
HK$66,678
baseline
▲ 0.50% · 4.625%
HK$70,735
+HK$4,057/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,356/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,801
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,673
−HK$1,899/mo
Today · 4.125%
HK$73,572
baseline
▲ 0.50% · 4.625%
HK$77,450
+HK$3,878/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,144/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,246 · Scale 2, in force from 26 Feb 2026)