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$34,862
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,946
−HK$1,102/mo
Today · 4.125%
HK$37,048
baseline
▲ 0.50% · 4.625%
HK$39,302
+HK$2,254/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,096/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,783
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,823
−HK$1,055/mo
Today · 4.125%
HK$40,878
baseline
▲ 0.50% · 4.625%
HK$43,033
+HK$2,155/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,756/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,834
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,135
−HK$1,322/mo
Today · 4.125%
HK$44,457
baseline
▲ 0.50% · 4.625%
HK$47,162
+HK$2,705/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$88,914/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,540
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,788
−HK$1,266/mo
Today · 4.125%
HK$49,054
baseline
▲ 0.50% · 4.625%
HK$51,640
+HK$2,586/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$98,108/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,806
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,324
−HK$1,543/mo
Today · 4.125%
HK$51,867
baseline
▲ 0.50% · 4.625%
HK$55,023
+HK$3,156/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,734/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,296
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,753
−HK$1,477/mo
Today · 4.125%
HK$57,230
baseline
▲ 0.50% · 4.625%
HK$60,246
+HK$3,016/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,460/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,751
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,703
−HK$1,983/mo
Today · 4.125%
HK$66,686
baseline
▲ 0.50% · 4.625%
HK$70,743
+HK$4,057/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,372/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,810
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,682
−HK$1,899/mo
Today · 4.125%
HK$73,581
baseline
▲ 0.50% · 4.625%
HK$77,460
+HK$3,879/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,162/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,316 · Scale 2, in force from 26 Feb 2026)