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$34,906
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,991
−HK$1,104/mo
Today · 4.125%
HK$37,095
baseline
▲ 0.50% · 4.625%
HK$39,352
+HK$2,257/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,190/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,832
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,874
−HK$1,056/mo
Today · 4.125%
HK$40,930
baseline
▲ 0.50% · 4.625%
HK$43,088
+HK$2,158/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,860/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,887
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,190
−HK$1,323/mo
Today · 4.125%
HK$44,513
baseline
▲ 0.50% · 4.625%
HK$47,222
+HK$2,709/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$89,026/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,599
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,848
−HK$1,268/mo
Today · 4.125%
HK$49,116
baseline
▲ 0.50% · 4.625%
HK$51,705
+HK$2,589/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,232/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,868
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,388
−HK$1,544/mo
Today · 4.125%
HK$51,932
baseline
▲ 0.50% · 4.625%
HK$55,092
+HK$3,160/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,864/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,365
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,823
−HK$1,479/mo
Today · 4.125%
HK$57,302
baseline
▲ 0.50% · 4.625%
HK$60,323
+HK$3,021/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,604/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,830
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,785
−HK$1,985/mo
Today · 4.125%
HK$66,770
baseline
▲ 0.50% · 4.625%
HK$70,833
+HK$4,063/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,540/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$574,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,898
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,773
−HK$1,901/mo
Today · 4.125%
HK$73,674
baseline
▲ 0.50% · 4.625%
HK$77,558
+HK$3,884/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,348/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$574,042 · Scale 2, in force from 26 Feb 2026)