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$34,905
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,990
−HK$1,103/mo
Today · 4.125%
HK$37,093
baseline
▲ 0.50% · 4.625%
HK$39,351
+HK$2,258/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,186/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,831
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,872
−HK$1,057/mo
Today · 4.125%
HK$40,929
baseline
▲ 0.50% · 4.625%
HK$43,086
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,858/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,886
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,188
−HK$1,324/mo
Today · 4.125%
HK$44,512
baseline
▲ 0.50% · 4.625%
HK$47,221
+HK$2,709/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$89,024/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,597
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,847
−HK$1,268/mo
Today · 4.125%
HK$49,115
baseline
▲ 0.50% · 4.625%
HK$51,704
+HK$2,589/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,230/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,867
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,387
−HK$1,544/mo
Today · 4.125%
HK$51,931
baseline
▲ 0.50% · 4.625%
HK$55,091
+HK$3,160/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,862/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,363
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,821
−HK$1,480/mo
Today · 4.125%
HK$57,301
baseline
▲ 0.50% · 4.625%
HK$60,321
+HK$3,020/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,602/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,828
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,783
−HK$1,985/mo
Today · 4.125%
HK$66,768
baseline
▲ 0.50% · 4.625%
HK$70,831
+HK$4,063/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,536/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$574,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,896
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,770
−HK$1,902/mo
Today · 4.125%
HK$73,672
baseline
▲ 0.50% · 4.625%
HK$77,556
+HK$3,884/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,344/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$574,026 · Scale 2, in force from 26 Feb 2026)