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$34,880
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,965
−HK$1,103/mo
Today · 4.125%
HK$37,068
baseline
▲ 0.50% · 4.625%
HK$39,323
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,136/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,804
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,845
−HK$1,056/mo
Today · 4.125%
HK$40,901
baseline
▲ 0.50% · 4.625%
HK$43,056
+HK$2,155/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,802/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,856
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,158
−HK$1,323/mo
Today · 4.125%
HK$44,481
baseline
▲ 0.50% · 4.625%
HK$47,188
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,962/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,565
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,814
−HK$1,267/mo
Today · 4.125%
HK$49,081
baseline
▲ 0.50% · 4.625%
HK$51,668
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,162/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,832
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,351
−HK$1,544/mo
Today · 4.125%
HK$51,895
baseline
▲ 0.50% · 4.625%
HK$55,052
+HK$3,157/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,790/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,326
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,783
−HK$1,478/mo
Today · 4.125%
HK$57,261
baseline
▲ 0.50% · 4.625%
HK$60,279
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,522/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,785
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,738
−HK$1,984/mo
Today · 4.125%
HK$66,722
baseline
▲ 0.50% · 4.625%
HK$70,782
+HK$4,060/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,444/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,847
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,721
−HK$1,900/mo
Today · 4.125%
HK$73,621
baseline
▲ 0.50% · 4.625%
HK$77,502
+HK$3,881/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,242/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,626 · Scale 2, in force from 26 Feb 2026)