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$34,853
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,937
−HK$1,101/mo
Today · 4.125%
HK$37,038
baseline
▲ 0.50% · 4.625%
HK$39,292
+HK$2,254/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,076/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,773
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,813
−HK$1,055/mo
Today · 4.125%
HK$40,868
baseline
▲ 0.50% · 4.625%
HK$43,022
+HK$2,154/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,736/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,823
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,124
−HK$1,322/mo
Today · 4.125%
HK$44,446
baseline
▲ 0.50% · 4.625%
HK$47,150
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,892/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,528
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,776
−HK$1,266/mo
Today · 4.125%
HK$49,042
baseline
▲ 0.50% · 4.625%
HK$51,627
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,084/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,794
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,311
−HK$1,542/mo
Today · 4.125%
HK$51,853
baseline
▲ 0.50% · 4.625%
HK$55,009
+HK$3,156/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,706/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,282
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,738
−HK$1,477/mo
Today · 4.125%
HK$57,215
baseline
▲ 0.50% · 4.625%
HK$60,231
+HK$3,016/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,430/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,735
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,686
−HK$1,983/mo
Today · 4.125%
HK$66,669
baseline
▲ 0.50% · 4.625%
HK$70,725
+HK$4,056/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,338/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,792
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,664
−HK$1,898/mo
Today · 4.125%
HK$73,562
baseline
▲ 0.50% · 4.625%
HK$77,440
+HK$3,878/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,124/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,170 · Scale 2, in force from 26 Feb 2026)